First Class American Credit Union

First Class American Credit Union is headquartered in Fort Worth and is the 183^rd largest credit union in the state of Texas. It is also the 2,435^th largest credit union in the nation. It was established in 1929 and as of December of 2011, it had grown to 17 employees and 7,044 members. First Class American Credit Union's savings rates are 20X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics FIRST CLASS AMERICAN NCUA # 67652 BankRate Report View Year Chartered 1929 Employees 17 Primary Regulator Assets and Liabilities Assets $43.27 million Loans $31.02 million Deposits $39.20 million Equity Capital $3.48 million Loan Loss Allowance $384,000 Unbacked Noncurrent Loans $44,000 Historic Data - December 2010 Assets $43.42 million Equity Capital $3.36 million Loan Loss Allowance $403,000 Unbacked Noncurrent Loans $48,000 Profit Margin - Quarterly Net Interest Margin 5.55% Return on Assets 0.28% Return on Equity 3.42% Interest Income $1.92 million Non-Interest Income $670,000

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 First Class American Credit Union had $44,000 in non-current loans and owned real-estate with $3.87 million in equity and loan loss allowances on hand to cover it. This gives First Class American Credit Union a Texas Ratio of 1.14% 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 First Class American Credit Union held steady from 1.27% as of December 31, 2010 to 1.14% as of December 31, 2011, resulting in a positive change of 10.70%.This indicates that the balance sheet and financial strength for First Class American Credit Union has held steady in recent periods. Deposit Growth In the past year, First Class American Credit Union has decreased its total deposits by $-216,000, resulting in -0.55% 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 First Class American Credit Union has shown is 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. First Class American Credit Union has $43.26 million in assets with $3.87 million in equity, resulting in a capitalization level of 8.94%, which is average.

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