Coastal Community And Teachers Credit Union

Coastal Community And Teachers Credit Union is headquartered in Corpus Christi and is the 69^th largest credit union in the state of Texas. It is also the 827^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 85 employees and 36,958 members. Coastal Community And Teachers Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics COASTAL COMMUNITY AND TEACHERS NCUA # 68482 BankRate Report View Year Chartered 1965 Employees 85 Primary Regulator Assets and Liabilities Assets $212.67 million Loans $147.96 million Deposits $188.67 million Equity Capital $22.27 million Loan Loss Allowance $812,000 Unbacked Noncurrent Loans $1.07 million Historic Data - December 2010 Assets $186.84 million Equity Capital $21.50 million Loan Loss Allowance $729,000 Unbacked Noncurrent Loans $1.09 million Profit Margin - Quarterly Net Interest Margin 5.61% Return on Assets 1% Return on Equity 9.58% Interest Income $9.06 million Non-Interest Income $3.87 million

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 Community And Teachers Credit Union had $1.07 million in non-current loans and owned real-estate with $23.08 million in equity and loan loss allowances on hand to cover it. This gives Coastal Community And Teachers Credit Union a Texas Ratio of 4.65% 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 Community And Teachers Credit Union held steady from 4.92% as of December 31, 2010 to 4.65% as of December 31, 2011, resulting in a positive change of 5.62%.This indicates that the balance sheet and financial strength for Coastal Community And Teachers Credit Union has held steady in recent periods. Deposit Growth In the past year, Coastal Community And Teachers Credit Union has increased its total deposits by $24.61 million, resulting in 15% 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 Community And Teachers 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. Coastal Community And Teachers Credit Union has $212.67 million in assets with $23.08 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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