Employees CU (TX)

Employees CU (TX) is headquartered in Dallas and is the 153^rd largest credit union in the state of Texas. It is also the 2,054^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 25 employees and 7,563 members. Employees CU (TX)'s money market rates are 70% higher than the national average, and it boasts a 5-star health rating.

Employees CU (TX) Checking Account Rates

Employees CU (TX) Savings Account Rates

Employees CU (TX) Money Market Rates

Employees CU (TX) CD Rates

Employees CU (TX) IRA Rates

Data for Q4 2011

Institution Statistics EMPLOYEES NCUA # 68325 BankRate Report View Year Chartered 1952 Employees 25 Primary Regulator Assets and Liabilities Assets $57.83 million Loans $34.90 million Deposits $50.92 million Equity Capital $6.25 million Loan Loss Allowance $417,000 Unbacked Noncurrent Loans $291,000 Historic Data - December 2010 Assets $50.82 million Equity Capital $6.30 million Loan Loss Allowance $301,000 Unbacked Noncurrent Loans $110,000 Profit Margin - Quarterly Net Interest Margin 6.47% Return on Assets -0.09% Return on Equity -0.82% Interest Income $2.63 million Non-Interest Income $668,000

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 Employees CU (TX) had $291,000 in non-current loans and owned real-estate with $6.66 million in equity and loan loss allowances on hand to cover it. This gives Employees CU (TX) a Texas Ratio of 4.37% 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 Employees CU (TX) held steady from 1.67% as of December 31, 2010 to 4.37% as of December 31, 2011, resulting in a negative change of 162.00%. This indicates that the balance sheet and financial strength for Employees CU (TX) has held steady in recent periods. Deposit Growth In the past year, Employees CU (TX) has increased its total deposits by $7.05 million, resulting in 16.08% 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 Employees 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. Employees CU (TX) has $57.83 million in assets with $6.66 million in equity, resulting in a capitalization level of 11.52%, which is above average.

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