Associated Credit Union Of Texas

Associated Credit Union Of Texas is headquartered in League City and is the 59^th largest credit union in the state of Texas. It is also the 696^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 112 employees and 39,087 members. Associated Credit Union Of Texas' money market rates are 30% higher than the national average, and it has a 3-star health rating.

Associated Credit Union Of Texas Routing Number: 313189401

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Data for Q4 2011

Institution Statistics ASSOCIATED CREDIT UNION OF TEXAS NCUA # 60608 BankRate Report View Year Chartered 1968 Employees 112 Primary Regulator Assets and Liabilities Assets $267.43 million Loans $195.16 million Deposits $236.94 million Equity Capital $24.42 million Loan Loss Allowance $6.26 million Unbacked Noncurrent Loans $2.51 million Real Estate Owned $1.56 million Historic Data - December 2010 Assets $284.81 million Equity Capital $23.02 million Loan Loss Allowance $6.11 million Unbacked Noncurrent Loans $3.52 million Real Estate Owned $452,000 Profit Margin - Quarterly Net Interest Margin 7.35% Return on Assets 0.45% Return on Equity 4.89% Interest Income $16.29 million Non-Interest Income $9.17 million

Institution Health Overall Score: 3 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 Associated Credit Union Of Texas had $4.07 million in non-current loans and owned real-estate with $30.68 million in equity and loan loss allowances on hand to cover it. This gives Associated Credit Union Of Texas a Texas Ratio of 13.28% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Associated Credit Union Of Texas held steady from 13.63% as of December 31, 2010 to 13.28% as of December 31, 2011, resulting in a positive change of 2.62%.This indicates that the balance sheet and financial strength for Associated Credit Union Of Texas has held steady in recent periods. Deposit Growth In the past year, Associated Credit Union Of Texas has decreased its total deposits by -$18.34 million, resulting in -7.18% 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 Associated Credit Union Of Texas has shown is poor. 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. Associated Credit Union Of Texas has $267.43 million in assets with $30.68 million in equity, resulting in a capitalization level of 11.47%, which is above average.