Coastal Bend P O Credit Union

Coastal Bend P O Credit Union is headquartered in Victoria and is the 301^st largest credit union in the state of Texas. It is also the 4,045^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 3 employees and 1,275 members. Coastal Bend P O Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics COASTAL BEND P O NCUA # 11164 BankRate Report View Year Chartered 1956 Employees 3 Primary Regulator Assets and Liabilities Assets $14.45 million Loans $6.47 million Deposits $12.35 million Equity Capital $2.00 million Loan Loss Allowance $65,000 Unbacked Noncurrent Loans $12,000 Historic Data - December 2010 Assets $13.88 million Equity Capital $2.00 million Loan Loss Allowance $31,000 Unbacked Noncurrent Loans $71,000 Profit Margin - Quarterly Net Interest Margin 5.75% Return on Assets -0.02% Return on Equity -0.15% Interest Income $589,000 Non-Interest Income $9,000

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 Coastal Bend P O Credit Union had $12,000 in non-current loans and owned real-estate with $2.06 million in equity and loan loss allowances on hand to cover it. This gives Coastal Bend P O Credit Union a Texas Ratio of 0.58% 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 Coastal Bend P O Credit Union decreased significantly from 3.49% as of December 31, 2010 to 0.58% as of December 31, 2011, resulting in a positive change of 83.34%.This indicates that the balance sheet and financial strength for Coastal Bend P O Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Coastal Bend P O Credit Union has increased its total deposits by $582,000, resulting in 4.95% 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 Coastal Bend P O 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. Coastal Bend P O Credit Union has $14.45 million in assets with $2.06 million in equity, resulting in a capitalization level of 14.28%, which is excellent.

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