District 1 Thd Credit Union

District 1 Thd Credit Union is headquartered in Paris and is the 504^th largest credit union in the state of Texas. It is also the 6,602^nd largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 1 employees and 311 members. District 1 Thd Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics DISTRICT 1 THD NCUA # 67492 BankRate Report View Year Chartered 1967 Employees 1 Primary Regulator Assets and Liabilities Assets $1.25 million Loans $474,000 Deposits $997,000 Equity Capital $253,000 Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $50,000 Historic Data - December 2010 Assets $1.30 million Equity Capital $255,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $10,000 Profit Margin - Quarterly Net Interest Margin 9.08% Return on Assets -0.96% Return on Equity -4.74% Interest Income $48,000 Non-Interest Income $1,000

Institution Health Overall Score: 3 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 District 1 Thd Credit Union had $50,000 in non-current loans and owned real-estate with $269,000 in equity and loan loss allowances on hand to cover it. This gives District 1 Thd Credit Union a Texas Ratio of 18.59% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for District 1 Thd Credit Union increased slightly from 3.83% as of December 31, 2010 to 18.59% as of December 31, 2011, resulting in a negative change of 385.13%. This indicates that the balance sheet and financial strength for District 1 Thd Credit Union has declined slightly in recent periods. Deposit Growth In the past year, District 1 Thd Credit Union has decreased its total deposits by $-41,000, resulting in -3.95% 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 District 1 Thd Credit Union has shown is below 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. District 1 Thd Credit Union has $1.25 million in assets with $269,000 in equity, resulting in a capitalization level of 21.50%, which is excellent.

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