Community Resource Credit Union

Community Resource Credit Union is headquartered in Baytown and is the 56^th largest credit union in the state of Texas. It is also the 647^th largest credit union in the nation. It was established in 1935 and as of September of 2011, it had grown to 102 employees and 32,259 members. Community Resource Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Community Resource Credit Union Routing Number: 313077513

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Data for Q3 2011

Institution Statistics COMMUNITY RESOURCE NCUA # 68021 BankRate Report View Year Established 1935 Employees 102 Primary Regulator Assets and Liabilities Assets $289.90 million Loans $169.50 million Deposits $262.66 million Equity Capital $25.88 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $581,000 Historic Data - September 2010 Assets $275.38 million Equity Capital $23.32 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $574,000 Real Estate Owned $109,000 Profit Margin - Quarterly Net Interest Margin 5.16% Return on Assets 0.67% Return on Equity 7.54% Interest Income $9.72 million Non-Interest Income $5.16 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 September 30, 2011 Community Resource Credit Union had $581,000 in non-current loans and owned real-estate with $27.23 million in equity and loan loss allowances on hand to cover it. This gives Community Resource Credit Union a Texas Ratio of 2.13% 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 Community Resource Credit Union decreased slightly from 2.72% as of September 30, 2010 to 2.13% as of September 30, 2011, resulting in a positive change of 21.50%.This indicates that the balance sheet and financial strength for Community Resource Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Community Resource Credit Union has increased its total deposits by $12.15 million, resulting in 4.85% 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 Community Resource 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. Community Resource Credit Union has $289.9 million in assets with $27.23 million in equity, resulting in a capitalization level of 9.39%, which is average.

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