Cabot & Noi Employees Credit Union

Cabot & Noi Employees Credit Union is headquartered in PAMPA and is the 228^th largest credit union in the state of Texas. It is also the 3,071^st largest credit union in the nation. It was established in 1931 and as of December of 2011, it had grown to 8 employees and 2,970 members. Cabot & Noi Employees Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics CABOT & NOI EMPLOYEES NCUA # 67581 BankRate Report View Year Chartered 1931 Employees 8 Primary Regulator Assets and Liabilities Assets $27.40 million Loans $18.03 million Deposits $25.05 million Equity Capital $2.19 million Loan Loss Allowance $374,000 Unbacked Noncurrent Loans $103,000 Historic Data - December 2010 Assets $28.86 million Equity Capital $2.08 million Loan Loss Allowance $428,000 Unbacked Noncurrent Loans $402,000 Profit Margin - Quarterly Net Interest Margin 5.95% Return on Assets 0.29% Return on Equity 3.61% Interest Income $1.22 million Non-Interest Income $249,000

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 December 31, 2011 Cabot & Noi Employees Credit Union had $103,000 in non-current loans and owned real-estate with $2.56 million in equity and loan loss allowances on hand to cover it. This gives Cabot & Noi Employees Credit Union a Texas Ratio of 4.02% 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 Cabot & Noi Employees Credit Union decreased significantly from 16.02% as of December 31, 2010 to 4.02% as of December 31, 2011, resulting in a positive change of 74.90%.This indicates that the balance sheet and financial strength for Cabot & Noi Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Cabot & Noi Employees Credit Union has decreased its total deposits by -$1.53 million, resulting in -5.75% 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 Cabot & Noi Employees Credit Union 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. Cabot & Noi Employees Credit Union has $27.4 million in assets with $2.56 million in equity, resulting in a capitalization level of 9.35%, which is average.

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