Cy-Fair Credit Union

Cy-Fair Credit Union is headquartered in Houston and is the 81^st largest credit union in the state of Texas. It is also the 965^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 71 employees and 19,897 members. Cy-Fair Credit Union has a 5-star health rating.

Cy-Fair Credit Union Checking Account Rates

Cy-Fair Credit Union Savings Account Rates

Cy-Fair Credit Union Money Market Rates

Cy-Fair Credit Union CD Rates

Cy-Fair Credit Union IRA Rates

Data for Q4 2011

Institution Statistics CY-FAIR NCUA # 11452 BankRate Report View Year Chartered 1956 Employees 71 Primary Regulator Assets and Liabilities Assets $169.06 million Loans $95.32 million Deposits $154.60 million Equity Capital $12.67 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $956,000 Historic Data - December 2010 Assets $160.37 million Equity Capital $11.48 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $1.47 million Profit Margin - Quarterly Net Interest Margin 6.86% Return on Assets 0.34% Return on Equity 4.53% Interest Income $7.71 million Non-Interest Income $3.43 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 Cy-Fair Credit Union had $956,000 in non-current loans and owned real-estate with $14.18 million in equity and loan loss allowances on hand to cover it. This gives Cy-Fair Credit Union a Texas Ratio of 6.74% 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 Cy-Fair Credit Union decreased significantly from 11.37% as of December 31, 2010 to 6.74% as of December 31, 2011, resulting in a positive change of 40.70%.This indicates that the balance sheet and financial strength for Cy-Fair Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Cy-Fair Credit Union has increased its total deposits by $6.93 million, resulting in 4.69% 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 Cy-Fair 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. Cy-Fair Credit Union has $169.06 million in assets with $14.18 million in equity, resulting in a capitalization level of 8.39%, which is average.

No reviews have been left for this bank yet. Be the first to review.