Educators CU (TX)

Educators CU (TX) is headquartered in WACO and is the 49^th largest credit union in the state of Texas. It is also the 589^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 63 employees and 36,000 members. Educators CU (TX)'s money market rates are 52% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics EDUCATORS NCUA # 67611 BankRate Report View Year Chartered 1938 Employees 63 Primary Regulator Assets and Liabilities Assets $332.20 million Loans $92.11 million Deposits $285.92 million Equity Capital $46.07 million Loan Loss Allowance $454,000 Unbacked Noncurrent Loans $394,000 Historic Data - December 2010 Assets $303.39 million Equity Capital $42.37 million Loan Loss Allowance $423,000 Unbacked Noncurrent Loans $572,000 Profit Margin - Quarterly Net Interest Margin 5.32% Return on Assets 1.11% Return on Equity 8.03% Interest Income $11.18 million Non-Interest Income $1.88 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 Educators CU (TX) had $394,000 in non-current loans and owned real-estate with $46.52 million in equity and loan loss allowances on hand to cover it. This gives Educators CU (TX) a Texas Ratio of 0.85% 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 Educators CU (TX) decreased slightly from 1.34% as of December 31, 2010 to 0.85% as of December 31, 2011, resulting in a positive change of 36.64%.This indicates that the balance sheet and financial strength for Educators CU (TX) has improved slightly in recent periods. Deposit Growth In the past year, Educators CU (TX) has increased its total deposits by $25.1 million, resulting in 9.62% 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 Educators CU (TX) 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. Educators CU (TX) has $332.2 million in assets with $46.52 million in equity, resulting in a capitalization level of 14.00%, which is excellent.

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