Caprock Santa Fe Credit Union

Caprock Santa Fe Credit Union is headquartered in SLATON and is the 200^th largest credit union in the state of Texas. It is also the 2,594^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 10 employees and 4,965 members. Caprock Santa Fe Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics CAPROCK SANTA FE NCUA # 67441 BankRate Report View Year Chartered 1954 Employees 10 Primary Regulator Assets and Liabilities Assets $37.94 million Loans $24.04 million Deposits $30.07 million Equity Capital $7.60 million Loan Loss Allowance $583,000 Unbacked Noncurrent Loans $1.38 million Historic Data - December 2010 Assets $31.88 million Equity Capital $6.43 million Loan Loss Allowance $599,000 Unbacked Noncurrent Loans $1.17 million Profit Margin - Quarterly Net Interest Margin 9.38% Return on Assets 3.08% Return on Equity 15.4% Interest Income $2.39 million Non-Interest Income $321,000

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 Caprock Santa Fe Credit Union had $1.38 million in non-current loans and owned real-estate with $8.18 million in equity and loan loss allowances on hand to cover it. This gives Caprock Santa Fe Credit Union a Texas Ratio of 16.86% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Caprock Santa Fe Credit Union held steady from 16.61% as of December 31, 2010 to 16.86% as of December 31, 2011, resulting in a negative change of 1.49%. This indicates that the balance sheet and financial strength for Caprock Santa Fe Credit Union has held steady in recent periods. Deposit Growth In the past year, Caprock Santa Fe Credit Union has increased its total deposits by $4.92 million, resulting in 19.56% 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 Caprock Santa Fe 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. Caprock Santa Fe Credit Union has $37.94 million in assets with $8.18 million in equity, resulting in a capitalization level of 21.56%, which is excellent.

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