Institution Statistics
| WOODMEN | | NCUA # | 16 | | BankRate Report | View | | Year Chartered | 1934 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $7.54 million | | Loans | $4.05 million | | Deposits | $6.38 million | | Equity Capital | $1.17 million | | Loan Loss Allowance | $39,000 |
Historic Data - December 2010 | | Assets | $7.09 million | | Equity Capital | $1.19 million | | Loan Loss Allowance | $35,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.14% | | Return on Assets | -0.33% | | Return on Equity | -2.14% | | Interest Income | $292,000 | | Non-Interest Income | $78,000 |
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Institution Health
Overall Score:
5 out of 5
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Woodmen Credit Union had $0 in non-current loans and owned real-estate with $1.2 million in equity and loan loss allowances on hand to cover it. This gives Woodmen Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Woodmen Credit Union has increased its total deposits by $484,000, resulting in 8.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Woodmen Credit Union has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Woodmen Credit Union has $7.54 million in assets with $1.2 million in equity, resulting in a capitalization level of 15.98%, which is excellent. |
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