Dallas Txdot Credit Union

Dallas Txdot Credit Union is headquartered in Mesquite and is the 422^nd largest credit union in the state of Texas. It is also the 5,492^nd largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 2 employees and 1,138 members. Dallas Txdot Credit Union has a 4-star health rating.

Dallas Txdot Credit Union Routing Number: 311986347

Dallas Txdot Credit Union Checking Account Rates

Dallas Txdot Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics DALLAS TXDOT NCUA # 67420 BankRate Report View Year Chartered 1961 Employees 2 Primary Regulator Assets and Liabilities Assets $5.14 million Loans $2.63 million Deposits $4.42 million Equity Capital $592,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $5.42 million Equity Capital $635,000 Loan Loss Allowance $11,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 6.07% Return on Assets -0.82% Return on Equity -7.09% Interest Income $206,000 Non-Interest Income $60,000

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 Dallas Txdot Credit Union had $1,000 in non-current loans and owned real-estate with $601,000 in equity and loan loss allowances on hand to cover it. This gives Dallas Txdot Credit Union a Texas Ratio of 0.17% 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 Dallas Txdot Credit Union decreased significantly from 0.62% as of December 31, 2010 to 0.17% as of December 31, 2011, resulting in a positive change of 73.13%.This indicates that the balance sheet and financial strength for Dallas Txdot Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Dallas Txdot Credit Union has decreased its total deposits by $-333,000, resulting in -7.01% 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 Dallas Txdot Credit Union has shown is poor. 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. Dallas Txdot Credit Union has $5.14 million in assets with $601,000 in equity, resulting in a capitalization level of 11.69%, which is above average.

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