First Service CU (TX)

9621 W Sam Houston PKWY N
Houston, TX 77064
(832) 688-1000
www.fscu.com

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First Service CU (TX) is headquartered in Houston and is the 51^st largest credit union in the state of Texas. It is also the 618^st largest credit union in the nation. It was established in 1977 and as of December of 2012, it had grown to 90 employees and 45,100 members. First Service CU (TX)'s savings rates are 13% higher than the national average, and it boasts a 5-star health rating.

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

First Service CU (TX) Checking Account Rates

	Apy	Min	Max	Product
	1.00%	-	$25k	Right Rewards Checking

First Service CU (TX) Savings Account Rates

Apy	Min	Max	Product
0.60%	$50k	-	FSCU IRA Share
0.60%	$50k	-	FSCU Roth IRA Share
0.60%	$50k	-	FSCU CESA Share
0.59%	-	-	Health Savings Account
0.30%	-	-	Club Account
0.30%	$50k	-	EPCFCU Share Savings
0.05%	$100	-	FSCU Regular Savings
0.05%	$100	-	Youth Savings

First Service CU (TX) Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Market Account

First Service CU (TX) CD Rates

Apy	Min	Max	Product
1.45%	$1k	$50k	60 Month Regular Certificate
1.15%	$1k	$50k	48 Month Regular Certificate
1.00%	$1k	$50k	36 Month Regular Certificate
0.75%	$1k	$50k	24 Month Regular Certificate
0.55%	$1k	$50k	18 Month Regular Certificate
0.50%	$1k	$50k	12 Month Regular Certificate
0.50%	$100	$50m	12 Month Smart Growth Certificate
0.30%	$1k	$50k	6 Month Regular Certificate
0.20%	$1k	$50k	3 Month Regular Certificate

First Service CU (TX) IRA Rates

Apy	Min	Max	Product
1.55%	$1k	$50k	60 Month IRA Certificate
1.55%	$1k	$50k	60 Month Roth IRA Certificate
1.55%	$1k	$50k	60 Month CESA Certificate
1.55%	$50k	-	60 Month Jumbo IRA Certificate
1.55%	$50k	-	60 Month Jumbo Roth IRA Certificate
1.55%	$50k	-	60 Month Jumbo CESA Certificate
1.25%	$1k	$50k	48 Month IRA Certificate
1.25%	$1k	$50k	48 Month Roth IRA Certificate
1.25%	$1k	$50k	48 Month CESA Certificate
1.25%	$50k	-	48 Month Jumbo IRA Certificate
1.25%	$50k	-	48 Month Jumbo Roth IRA Certificate
1.25%	$50k	-	48 Month Jumbo CESA Certificate
1.10%	$1k	$50k	36 Month IRA Certificate
1.10%	$1k	$50k	36 Month Roth IRA Certificate
1.10%	$1k	$50k	36 Month CESA Certificate
1.10%	$50k	-	36 Month Jumbo IRA Certificate
1.10%	$50k	-	36 Month Jumbo Roth IRA
1.10%	$50k	-	36 Month Jumbo CESA Certificate
0.85%	$1k	-	24 Month IRA Certificate
0.85%	$1k	$50k	24 Month Roth IRA Certificate
0.85%	$1k	$50k	24 Month CESA Certificate
0.85%	$50k	-	24 Month Jumbo IRA Certificate
0.85%	$50k	-	24 Month Jumbo Roth IRA Certificate
0.85%	$50k	-	24 Month Jumbo CESA Certificate
0.65%	$1k	$50k	18 Month IRA Certificate
0.65%	$1k	$50k	18 Month Roth IRA Certificate
0.65%	$1k	$50k	18 Month CESA Certificate
0.65%	$50k	-	18 Month Jumbo IRA Certificate
0.65%	$50k	-	18 Month Jumbo Roth IRA Certificate
0.65%	$50k	-	18 Month Jumbo CESA Certificate
0.60%	$1k	$50k	12 Month IRA Certificate
0.60%	$1k	$50k	12 Month Roth IRA Certificate
0.60%	$1k	$50k	12 Month CESA Certificate
0.60%	$50k	-	12 Month Jumbo IRA Certificate
0.60%	$50k	-	12 Month Jumbo Roth IRA Certificate
0.60%	$50k	-	12 Month Jumbo CESA Certificate
0.40%	$1k	$50k	6 Month IRA Certificate
0.40%	$1k	$50k	6 Month Roth IRA Certificate
0.40%	$1k	$50k	6 Month CESA Certificate
0.40%	$50k	-	6 Month Jumbo IRA Certificate
0.40%	$50k	-	6 Month Jumbo Roth IRA Certificate
0.40%	$50k	-	6 Month Jumbo CESA Certificate
0.30%	$1k	$50k	3 Month IRA Certificate
0.30%	$1k	$50k	3 Month Roth IRA Certificate
0.30%	$1k	$50k	3 Month CESA Certificate
0.30%	$50k	-	3 Month Jumbo IRA Certificate
0.30%	$50k	-	3 Month Jumbo Roth IRA Certificate
0.30%	$50k	-	3 Month Jumbo CESA Certificate

Rates updated: 6/6/2013

Data for Q4 2012

Institution Statistics

FIRST SERVICE
NCUA #	68605
BankRate Report	View
Year Chartered	1977
Employees	90
Primary Regulator
Assets and Liabilities
Assets	$329.08 million
Loans	$248.14 million
Deposits	$292.65 million
Equity Capital	$29.79 million
Loan Loss Allowance	$1.23 million
Unbacked Noncurrent Loans	$888,000
Historic Data - December 2011
Assets	$317.94 million
Equity Capital	$25.57 million
Loan Loss Allowance	$1.50 million
Unbacked Noncurrent Loans	$1.38 million
Real Estate Owned	$128,000
Profit Margin - Quarterly
Net Interest Margin	4.56%
Return on Assets	1.14%
Return on Equity	12.61%
Interest Income	$13.44 million
Non-Interest Income	$8.39 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 Service CU (TX) had $888,000 in non-current loans and owned real-estate with $31.02 million in equity and loan loss allowances on hand to cover it. This gives First Service CU (TX) a Texas Ratio of 2.86% 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 Service CU (TX) decreased significantly from 5.58% as of December 31, 2011 to 2.86% as of December 31, 2012, resulting in a positive change of 48.69%.This indicates that the balance sheet and financial strength for First Service CU (TX) has improved significantly in recent periods.
Deposit Growth
In the past year, First Service CU (TX) has increased its total deposits by $14.63 million, resulting in 5.26% 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 Service 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. First Service CU (TX) has $329.08 million in assets with $31.02 million in equity, resulting in a capitalization level of 9.43%, which is average.

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