City-County Credit Union

City-County Credit Union is headquartered in Pecos and is the 508^th largest credit union in the state of Texas. It is also the 6,691^st largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to employees and 474 members. City-County Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics CITY-COUNTY NCUA # 19962 BankRate Report View Year Chartered 1970 Employees 0 Primary Regulator Assets and Liabilities Assets $1.02 million Loans $697,000 Deposits $816,000 Equity Capital $202,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $8,000 Historic Data - December 2010 Assets $943,000 Equity Capital $199,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $3,000 Profit Margin - Quarterly Net Interest Margin 8.53% Return on Assets 0.39% Return on Equity 1.98% Interest Income $63,000 Non-Interest Income $3,000

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-County Credit Union had $8,000 in non-current loans and owned real-estate with $207,000 in equity and loan loss allowances on hand to cover it. This gives City-County Credit Union a Texas Ratio of 3.86% 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-County Credit Union held steady from 1.46% as of December 31, 2010 to 3.86% as of December 31, 2011, resulting in a negative change of 165.38%. This indicates that the balance sheet and financial strength for City-County Credit Union has held steady in recent periods. Deposit Growth In the past year, City-County Credit Union has increased its total deposits by $75,000, resulting in 10.12% 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-County 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. City-County Credit Union has $1.02 million in assets with $207,000 in equity, resulting in a capitalization level of 20.27%, which is excellent.

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