First Community CU of Houston

15260 FM 529
Houston, TX 77095
281-856-5300
www.fccu.org

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First Community CU of Houston is headquartered in Houston and is the 16^st largest credit union in the state of Texas. It is also the 220^th largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 246 employees and 93,907 members. First Community CU of Houston has a 5-star health rating.

First Community CU RCA Rate Drop (2.75%APY, $10K) To (2.25%APY,$10K) (Forum) - 1/1/2013

The First Rewards Checking rate at this 5-star CU last changed 15 months ago.

Checking Account $100 Bonus at First Community Credit Union in Houston - Local Only - 11/14/2012

First Community Credit Union is advertising a $100 bonus for opening its Texans Checking Account. Unlike the typical checking account bonus, this doesn't have requirements after opening the account ex ...

Top 5-Year CD Rate at First Community Credit Union of Houston - Local Only - 2/23/2011

First Community Credit Union of Houston is offering two competitive long-term CD and IRA CD rates: 2.90% APY for 5 years and 1.90% APY for 3 years. Minimum deposit is $500. The rates for Jumbo CDs wit ...

High-Yield Reward Checking Account at First Community Credit Union of Houston - Local Only - 3/17/2010

First Community Credit Union of Houston is offering a high-yield reward checking account called First Rewards Checking . The account has the following rates and features if certain monthly requiremen ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

First Community CU of Houston Checking Account Rates

Apy	Min	Max	Product
2.25%	-	$10k	First Rewards Checking
0.25%	$2,500	-	Business Growth Checking
0.05%	$500	-	CheckPlus Checking

First Community CU of Houston Savings Account Rates

Apy	Min	Max	Product
5.00%	-	$1k	U First Savings
0.30%	$25k	-	Health Money Management
0.25%	$50k	-	Regular Savings
0.25%	$50k	-	Club Savings
0.25%	$50k	-	Red Rangers
0.25%	$50k	-	CU Succeed
0.25%	$50k	-	IRA Savings
0.25%	$50k	-	Business Savings
0.25%	$50k	-	SEP IRA Savings
0.25%	$50k	-	Coverdell Education IRA Savings
0.05%	$500	-	First Health Checking

First Community CU of Houston Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	First Money Market Fund
0.30%	$25k	-	Money Management
0.30%	$25k	-	Business Money Market

First Community CU of Houston CD Rates

Apy	Min	Max	Product
1.50%	$100k	-	5 Year Jumbo CD
1.40%	$500	$100k	5 Year CD
1.05%	$100k	-	4 Year Jumbo CD
1.00%	$100k	-	3 Year Jumbo CD
1.00%	$100k	-	4 Year Jumbo Flex Rate CD
0.95%	$500	$100k	4 Year CD
0.90%	$500	$100k	3 Year CD
0.90%	$500	$100k	4 Year Flex Rate CD
0.85%	$100k	-	2 Year Jumbo CD
0.80%	$100k	-	2 Year Flex Rate Jumbo CD
0.75%	$500	$100k	2 Year CD
0.70%	$100k	-	19 Month Jumbo CD
0.70%	$500	$100k	2 Year Flex Rate CD
0.65%	$500	-	2 Year Builder CD
0.60%	$100k	-	1 Year Jumbo CD
0.60%	$500	$100k	19 Month CD
0.50%	$500	$100k	1 Year CD
0.40%	$100k	-	6 Month Jumbo CD
0.40%	$100k	-	9 Month Jumbo CD
0.30%	$500	$100k	6 Month CD
0.30%	$500	$100k	9 Month CD
0.25%	$100k	-	3 Month Jumbo CD
0.20%	$500	$100k	3 Month CD

First Community CU of Houston IRA Rates

Apy	Min	Max	Product
1.50%	$100k	-	5 Year Jumbo IRA
1.50%	$100k	-	5 Year Jumbo SEP IRA
1.50%	$100k	-	5 Year Coverdell Education Jumbo IRA
1.40%	$500	$100k	5 Year IRA
1.40%	$500	$100k	5 Year SEP IRA
1.40%	$500	$100k	5 Year Coverdell Education IRA
1.05%	$100k	-	4 Year Jumbo IRA
1.05%	$100k	-	4 Year Jumbo SEP IRA
1.05%	$100k	-	4 Year Coverdell Education Jumbo IRA
1.00%	$100k	-	3 Year Jumbo IRA
1.00%	$100k	-	3 Year Jumbo SEP IRA
1.00%	$100k	-	3 Year Coverdell Education Jumbo IRA
0.95%	$500	$100k	4 Year IRA
0.95%	$500	$100k	4 Year SEP IRA
0.95%	$500	$100k	4 Year Coverdell Education IRA
0.90%	$500	$100k	3 Year IRA
0.90%	$500	$100k	3 Year SEP IRA
0.90%	$500	$100k	3 Year Coverdell Education IRA
0.85%	$100k	-	2 Year Jumbo IRA
0.85%	$100k	-	2 Year Jumbo SEP IRA
0.85%	$100k	-	2 Year Coverdell Education Jumbo IRA
0.75%	$500	$100k	2 Year IRA
0.75%	$500	$100k	2 Year SEP IRA
0.75%	$500	$100k	2 Year Coverdell Education IRA
0.60%	$100k	-	1 Year Jumbo IRA
0.60%	$100k	-	1 Year Jumbo SEP IRA
0.60%	$100k	-	1 Year Coverdell Education Jumbo IRA
0.50%	$500	$100k	1 Year IRA
0.50%	$500	$100k	1 Year SEP IRA
0.50%	$500	$100k	1 Year Coverdell Education IRA
0.40%	$100k	-	6 Month Jumbo IRA
0.40%	$100k	-	6 Month Jumbo SEP IRA
0.40%	$100k	-	6 Month Coverdell Education Jumbo IRA
0.30%	$500	$100k	6 Month IRA
0.30%	$500	$100k	6 Month SEP IRA
0.30%	$500	$100k	6 Month Coverdell Education IRA
0.25%	$100k	-	3 Month Jumbo IRA
0.25%	$100k	-	3 Month Jumbo SEP IRA
0.25%	$100k	-	3 Month Coverdell Education Jumbo IRA
0.20%	$500	$100k	3 Month IRA
0.20%	$500	$100k	3 Month SEP IRA
0.20%	$500	$100k	3 Month Coverdell Education IRA

Rates updated: 5/23/2013 * Not all products updated

Data for Q4 2012

Institution Statistics

FIRST COMMUNITY
NCUA #	66818
BankRate Report	View
Year Chartered	1954
Employees	246
Primary Regulator
Assets and Liabilities
Assets	$914.36 million
Loans	$550.26 million
Deposits	$827.60 million
Equity Capital	$73.91 million
Loan Loss Allowance	$2.76 million
Unbacked Noncurrent Loans	$1.65 million
Real Estate Owned	$64,000
Historic Data - December 2011
Assets	$824.66 million
Equity Capital	$64.91 million
Loan Loss Allowance	$3.32 million
Unbacked Noncurrent Loans	$2.21 million
Real Estate Owned	$250,000
Profit Margin - Quarterly
Net Interest Margin	4.63%
Return on Assets	0.69%
Return on Equity	8.51%
Interest Income	$29.84 million
Non-Interest Income	$16.60 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, 2012 First Community CU of Houston had $1.72 million in non-current loans and owned real-estate with $76.67 million in equity and loan loss allowances on hand to cover it. This gives First Community CU of Houston a Texas Ratio of 2.24% 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 Community CU of Houston decreased slightly from 3.60% as of December 31, 2011 to 2.24% as of December 31, 2012, resulting in a positive change of 37.80%.This indicates that the balance sheet and financial strength for First Community CU of Houston has improved slightly in recent periods.
Deposit Growth
In the past year, First Community CU of Houston has increased its total deposits by $78.72 million, resulting in 10.51% 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 Community CU of Houston 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. First Community CU of Houston has $914.36 million in assets with $76.67 million in equity, resulting in a capitalization level of 8.38%, which is average.