C-T Waco Credit Union

C-T Waco Credit Union is headquartered in WACO and is the 410^st largest credit union in the state of Texas. It is also the 5,316^st largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 4 employees and 1,352 members. C-T Waco Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics C-T WACO NCUA # 3430 BankRate Report View Year Chartered 1939 Employees 4 Primary Regulator Assets and Liabilities Assets $6.03 million Loans $4.55 million Deposits $5.33 million Equity Capital $670,000 Loan Loss Allowance $35,000 Unbacked Noncurrent Loans $59,000 Historic Data - December 2010 Assets $5.36 million Equity Capital $619,000 Loan Loss Allowance $29,000 Unbacked Noncurrent Loans $22,000 Profit Margin - Quarterly Net Interest Margin 7.93% Return on Assets 0.86% Return on Equity 7.76% Interest Income $392,000 Non-Interest Income $58,000

Institution Health Overall Score: 4 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 C-T Waco Credit Union had $59,000 in non-current loans and owned real-estate with $705,000 in equity and loan loss allowances on hand to cover it. This gives C-T Waco Credit Union a Texas Ratio of 8.37% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for C-T Waco Credit Union held steady from 3.40% as of December 31, 2010 to 8.37% as of December 31, 2011, resulting in a negative change of 146.50%. This indicates that the balance sheet and financial strength for C-T Waco Credit Union has held steady in recent periods. Deposit Growth In the past year, C-T Waco Credit Union has increased its total deposits by $674,000, resulting in 14.48% 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 C-T Waco 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. C-T Waco Credit Union has $6.02 million in assets with $705,000 in equity, resulting in a capitalization level of 11.70%, which is above average.

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