Express-News Credit Union

Express-News Credit Union is headquartered in San Antonio and is the 400^th largest credit union in the state of Texas. It is also the 5,218^st largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 2 employees and 1,449 members. Express-News Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics EXPRESS-NEWS NCUA # 15973 BankRate Report View Year Chartered 1963 Employees 2 Primary Regulator Assets and Liabilities Assets $6.52 million Loans $4.38 million Deposits $5.53 million Equity Capital $835,000 Loan Loss Allowance $17,000 Unbacked Noncurrent Loans $35,000 Historic Data - December 2010 Assets $6.88 million Equity Capital $835,000 Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $82,000 Profit Margin - Quarterly Net Interest Margin 4.63% Return on Assets 0% Return on Equity 0% Interest Income $246,000 Non-Interest Income $95,000

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 Express-News Credit Union had $35,000 in non-current loans and owned real-estate with $852,000 in equity and loan loss allowances on hand to cover it. This gives Express-News Credit Union a Texas Ratio of 4.11% 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 Express-News Credit Union decreased significantly from 9.64% as of December 31, 2010 to 4.11% as of December 31, 2011, resulting in a positive change of 57.37%.This indicates that the balance sheet and financial strength for Express-News Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Express-News Credit Union has decreased its total deposits by $-384,000, resulting in -6.49% 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 Express-News 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. Express-News Credit Union has $6.52 million in assets with $852,000 in equity, resulting in a capitalization level of 13.08%, which is excellent.

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