Centex Citizens Credit Union

Centex Citizens Credit Union is headquartered in Mexia and is the 159^th largest credit union in the state of Texas. It is also the 2,114^st largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 21 employees and 6,786 members. Centex Citizens Credit Union has a 3-star health rating.

Centex Citizens Credit Union Routing Number: 311986376

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Data for Q4 2011

Institution Statistics CENTEX CITIZENS NCUA # 67416 BankRate Report View Year Chartered 1954 Employees 21 Primary Regulator Assets and Liabilities Assets $55.47 million Loans $35.25 million Deposits $44.38 million Equity Capital $10.45 million Loan Loss Allowance $656,000 Unbacked Noncurrent Loans $969,000 Historic Data - December 2010 Assets $57.51 million Equity Capital $10.25 million Loan Loss Allowance $398,000 Unbacked Noncurrent Loans $103,000 Profit Margin - Quarterly Net Interest Margin 6.34% Return on Assets 0.45% Return on Equity 2.39% Interest Income $2.36 million Non-Interest Income $605,000

Institution Health Overall Score: 3 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 Centex Citizens Credit Union had $969,000 in non-current loans and owned real-estate with $11.11 million in equity and loan loss allowances on hand to cover it. This gives Centex Citizens Credit Union a Texas Ratio of 8.72% 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 Centex Citizens Credit Union increased slightly from 0.97% as of December 31, 2010 to 8.72% as of December 31, 2011, resulting in a negative change of 801.48%. This indicates that the balance sheet and financial strength for Centex Citizens Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Centex Citizens Credit Union has decreased its total deposits by -$2.34 million, resulting in -5.02% 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 Centex Citizens 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. Centex Citizens Credit Union has $55.47 million in assets with $11.11 million in equity, resulting in a capitalization level of 20.03%, which is excellent.

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