Fort Sill Federal Credit Union

Fort Sill Federal Credit Union is headquartered in Lawton and is the 11^st largest credit union in the state of Oklahoma. It is also the 788^th largest credit union in the nation. It was established in 1956 and as of December of 2012, it had grown to 79 employees and 29,487 members. Fort Sill Federal Credit Union has a 4-star health rating.

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Data for Q4 2012

Institution Statistics FORT SILL NCUA # 10832 BankRate Report View Year Chartered 1956 Employees 79 Primary Regulator Assets and Liabilities Assets $239.88 million Loans $97.24 million Deposits $214.93 million Equity Capital $23.70 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $1.43 million Real Estate Owned $696,000 Historic Data - December 2011 Assets $230.09 million Equity Capital $22.80 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $658,000 Real Estate Owned $785,000 Profit Margin - Quarterly Net Interest Margin 5.87% Return on Assets 0.37% Return on Equity 3.77% Interest Income $7.19 million Non-Interest Income $5.27 million

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, 2012 Fort Sill Federal Credit Union had $2.12 million in non-current loans and owned real-estate with $25.04 million in equity and loan loss allowances on hand to cover it. This gives Fort Sill Federal Credit Union a Texas Ratio of 8.47% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fort Sill Federal Credit Union held steady from 6.03% as of December 31, 2011 to 8.47% as of December 31, 2012, resulting in a negative change of 40.46%. This indicates that the balance sheet and financial strength for Fort Sill Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Fort Sill Federal Credit Union has increased its total deposits by $9.05 million, resulting in 4.4% 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 Fort Sill Federal Credit Union has shown is above 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. Fort Sill Federal Credit Union has $239.88 million in assets with $25.04 million in equity, resulting in a capitalization level of 10.44%, which is above average.

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