First Community CU of Houston

First Community CU of Houston is headquartered in Houston and is the 17^st largest credit union in the state of Texas. It is also the 236^th largest credit union in the nation. It was established in 1954 and as of September of 2011, it had grown to 227 employees and 87,411 members. First Community CU of Houston's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics FIRST COMMUNITY CU OF HOUSTON NCUA # 66818 BankRate Report View Year Established 1954 Employees 227 Primary Regulator Assets and Liabilities Assets $804.27 million Loans $456.68 million Deposits $730.90 million Equity Capital $64.22 million Loan Loss Allowance $3.58 million Unbacked Noncurrent Loans $2.13 million Real Estate Owned $432,000 Historic Data - September 2010 Assets $743.91 million Equity Capital $51.39 million Loan Loss Allowance $5.12 million Unbacked Noncurrent Loans $2.60 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 1.05% Return on Equity 13.21% Interest Income $23.97 million Non-Interest Income $10.77 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 September 30, 2011 First Community CU of Houston had $2.56 million in non-current loans and owned real-estate with $67.79 million in equity and loan loss allowances on hand to cover it. This gives First Community CU of Houston a Texas Ratio of 3.77% 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 4.59% as of September 30, 2010 to 3.77% as of September 30, 2011, resulting in a positive change of 17.90%.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 $46.26 million, resulting in 6.76% 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 $804.27 million in assets with $67.79 million in equity, resulting in a capitalization level of 8.43%, which is average.

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