Beacon Federal Credit Union

Beacon Federal Credit Union is headquartered in La Porte and is the 95^th largest credit union in the state of Texas. It is also the 1,259^th largest credit union in the nation. It was established in 1949 and as of September of 2011, it had grown to 45 employees and 16,898 members. Beacon Federal Credit Union has a 4-star health rating.

Beacon Federal Credit Union Routing Number: 313085495

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Data for Q3 2011

Institution Statistics BEACON NCUA # 6062 BankRate Report View Year Established 1949 Employees 45 Primary Regulator Assets and Liabilities Assets $119.46 million Loans $65.54 million Deposits $109.00 million Equity Capital $10.04 million Loan Loss Allowance $373,000 Unbacked Noncurrent Loans $433,000 Real Estate Owned $70,000 Historic Data - September 2010 Assets $119.50 million Equity Capital $9.76 million Loan Loss Allowance $448,000 Unbacked Noncurrent Loans $410,000 Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 0.18% Return on Equity 2.13% Interest Income $3.59 million Non-Interest Income $1.82 million

Institution Health Overall Score: 4 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 September 30, 2011 Beacon Federal Credit Union had $503,000 in non-current loans and owned real-estate with $10.41 million in equity and loan loss allowances on hand to cover it. This gives Beacon Federal Credit Union a Texas Ratio of 4.83% 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 Beacon Federal Credit Union held steady from 4.02% as of September 30, 2010 to 4.83% as of September 30, 2011, resulting in a negative change of 20.31%. This indicates that the balance sheet and financial strength for Beacon Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Beacon Federal Credit Union has decreased its total deposits by $-222,000, resulting in -0.2% 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 Beacon Federal Credit Union has shown is average. 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. Beacon Federal Credit Union has $119.46 million in assets with $10.41 million in equity, resulting in a capitalization level of 8.71%, which is average.

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