Austin Telco Credit Union

Austin Telco Credit Union is headquartered in AUSTIN and is the 12^st largest credit union in the state of Texas. It is also the 140^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 110 employees and 69,831 members. Austin Telco Credit Union's savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics AUSTIN TELCO NCUA # 4584 BankRate Report View Year Chartered 1941 Employees 110 Primary Regulator Assets and Liabilities Assets $1.21 billion Loans $356.33 million Deposits $1.10 billion Equity Capital $103.01 million Loan Loss Allowance $614,000 Unbacked Noncurrent Loans $200,000 Historic Data - December 2010 Assets $1.08 billion Equity Capital $94.80 million Loan Loss Allowance $369,000 Unbacked Noncurrent Loans $286,000 Profit Margin - Quarterly Net Interest Margin 3.86% Return on Assets 0.8% Return on Equity 9.48% Interest Income $33.50 million Non-Interest Income $9.11 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 Austin Telco Credit Union had $200,000 in non-current loans and owned real-estate with $103.62 million in equity and loan loss allowances on hand to cover it. This gives Austin Telco Credit Union a Texas Ratio of 0.19% 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 Austin Telco Credit Union decreased slightly from 0.30% as of December 31, 2010 to 0.19% as of December 31, 2011, resulting in a positive change of 35.78%.This indicates that the balance sheet and financial strength for Austin Telco Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Austin Telco Credit Union has increased its total deposits by $118.91 million, resulting in 12.06% 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 Austin Telco 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. Austin Telco Credit Union has $1.21 billion in assets with $103.62 million in equity, resulting in a capitalization level of 8.54%, which is average.

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