City Public Service/IBEW Credit Union

City Public Service/IBEW Credit Union is headquartered in SAN ANTONIO and is the 202^nd largest credit union in the state of Texas. It is also the 2,625^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 8 employees and 2,848 members. City Public Service/IBEW Credit Union's savings rates are 48% higher than the national average, and it boasts a 5-star health rating.

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City Public Service/IBEW Credit Union Savings Account Rates

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Data for Q4 2011

Institution Statistics CITY PUBLIC SERVICE/IBEW NCUA # 3710 BankRate Report View Year Chartered 1940 Employees 8 Primary Regulator Assets and Liabilities Assets $37.26 million Loans $12.39 million Deposits $32.54 million Equity Capital $4.55 million Loan Loss Allowance $78,000 Unbacked Noncurrent Loans $167,000 Historic Data - December 2010 Assets $36.75 million Equity Capital $4.51 million Loan Loss Allowance $52,000 Unbacked Noncurrent Loans $246,000 Profit Margin - Quarterly Net Interest Margin 7.17% Return on Assets 0.12% Return on Equity 0.99% Interest Income $1.35 million Non-Interest Income $197,000

Institution Health Overall Score: 5 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 City Public Service/IBEW Credit Union had $167,000 in non-current loans and owned real-estate with $4.63 million in equity and loan loss allowances on hand to cover it. This gives City Public Service/IBEW Credit Union a Texas Ratio of 3.61% 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 City Public Service/IBEW Credit Union decreased slightly from 5.40% as of December 31, 2010 to 3.61% as of December 31, 2011, resulting in a positive change of 33.17%.This indicates that the balance sheet and financial strength for City Public Service/IBEW Credit Union has improved slightly in recent periods. Deposit Growth In the past year, City Public Service/IBEW Credit Union has increased its total deposits by $382,000, resulting in 1.19% 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 City Public Service/IBEW Credit Union has shown is above 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. City Public Service/IBEW Credit Union has $37.26 million in assets with $4.63 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

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