C-E Credit Union

C-E Credit Union is headquartered in Houston and is the 286^th largest credit union in the state of Texas. It is also the 3,839^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 11 employees and 3,883 members. C-E Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics C-E NCUA # 3833 BankRate Report View Year Chartered 1940 Employees 11 Primary Regulator Assets and Liabilities Assets $16.63 million Loans $9.06 million Deposits $15.47 million Equity Capital $938,000 Loan Loss Allowance $55,000 Unbacked Noncurrent Loans $86,000 Historic Data - December 2010 Assets $16.49 million Equity Capital $994,000 Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $140,000 Profit Margin - Quarterly Net Interest Margin 7.79% Return on Assets -0.34% Return on Equity -5.97% Interest Income $864,000 Non-Interest Income $330,000

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 C-E Credit Union had $86,000 in non-current loans and owned real-estate with $993,000 in equity and loan loss allowances on hand to cover it. This gives C-E Credit Union a Texas Ratio of 8.66% 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 C-E Credit Union decreased slightly from 13.40% as of December 31, 2010 to 8.66% as of December 31, 2011, resulting in a positive change of 35.35%.This indicates that the balance sheet and financial strength for C-E Credit Union has improved slightly in recent periods. Deposit Growth In the past year, C-E Credit Union has increased its total deposits by $85,000, resulting in 0.55% 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 C-E 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. C-E Credit Union has $16.63 million in assets with $993,000 in equity, resulting in a capitalization level of 5.97%, which is below average.

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