Fort Worth Community Credit Union

Fort Worth Community Credit Union is headquartered in BEDFORD and is the 19^st largest credit union in the state of Texas. It is also the 260^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 152 employees and 66,158 members. Fort Worth Community Credit Union has a 5-star health rating.

Fort Worth Community Credit Union Routing Number: 311981672

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Data for Q4 2011

Institution Statistics FORT WORTH COMMUNITY NCUA # 68471 BankRate Report View Year Chartered 1940 Employees 152 Primary Regulator Assets and Liabilities Assets $757.50 million Loans $511.82 million Deposits $680.57 million Equity Capital $69.38 million Loan Loss Allowance $4.23 million Unbacked Noncurrent Loans $1.80 million Real Estate Owned $87,000 Historic Data - December 2010 Assets $714.85 million Equity Capital $66.44 million Loan Loss Allowance $4.19 million Unbacked Noncurrent Loans $1.93 million Profit Margin - Quarterly Net Interest Margin 5.07% Return on Assets 0.39% Return on Equity 4.25% Interest Income $28.00 million Non-Interest Income $6.58 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, 2011 Fort Worth Community Credit Union had $1.89 million in non-current loans and owned real-estate with $73.61 million in equity and loan loss allowances on hand to cover it. This gives Fort Worth Community Credit Union a Texas Ratio of 2.57% 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 Fort Worth Community Credit Union held steady from 2.73% as of December 31, 2010 to 2.57% as of December 31, 2011, resulting in a positive change of 5.84%.This indicates that the balance sheet and financial strength for Fort Worth Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Fort Worth Community Credit Union has increased its total deposits by $38.86 million, resulting in 6.06% 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 Worth Community Credit Union 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. Fort Worth Community Credit Union has $757.5 million in assets with $73.61 million in equity, resulting in a capitalization level of 9.72%, which is average.

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