Amarillo Community Credit Union

Amarillo Community Credit Union is headquartered in AMARILLO and is the 78^th largest credit union in the state of Texas. It is also the 932^nd largest credit union in the nation. It was established in 1945 and as of December of 2011, it had grown to 63 employees and 27,299 members. Amarillo Community Credit Union's savings rates are 25% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics AMARILLO COMMUNITY NCUA # 5168 BankRate Report View Year Chartered 1945 Employees 63 Primary Regulator Assets and Liabilities Assets $178.21 million Loans $113.29 million Deposits $162.20 million Equity Capital $14.12 million Loan Loss Allowance $191,000 Unbacked Noncurrent Loans $131,000 Real Estate Owned $296,000 Historic Data - December 2010 Assets $163.98 million Equity Capital $12.91 million Loan Loss Allowance $322,000 Unbacked Noncurrent Loans $138,000 Real Estate Owned $49,000 Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 0.7% Return on Equity 8.85% Interest Income $7.23 million Non-Interest Income $2.35 million

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 Amarillo Community Credit Union had $427,000 in non-current loans and owned real-estate with $14.31 million in equity and loan loss allowances on hand to cover it. This gives Amarillo Community Credit Union a Texas Ratio of 2.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Amarillo Community Credit Union held steady from 1.41% as of December 31, 2010 to 2.98% as of December 31, 2011, resulting in a negative change of 111.05%. This indicates that the balance sheet and financial strength for Amarillo Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Amarillo Community Credit Union has increased its total deposits by $12.7 million, resulting in 8.5% 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 Amarillo Community 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. Amarillo Community Credit Union has $178.21 million in assets with $14.31 million in equity, resulting in a capitalization level of 8.03%, which is average.

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