Frio County Credit Union

Frio County Credit Union is headquartered in Pearsall and is the 432^nd largest credit union in the state of Texas. It is also the 5,602^nd largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 3 employees and 1,303 members. Frio County Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics FRIO COUNTY NCUA # 20267 BankRate Report View Year Chartered 1970 Employees 3 Primary Regulator Assets and Liabilities Assets $4.67 million Loans $3.60 million Deposits $3.76 million Equity Capital $912,000 Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $14,000 Historic Data - December 2010 Assets $4.04 million Equity Capital $793,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $60,000 Profit Margin - Quarterly Net Interest Margin 8.56% Return on Assets 2.29% Return on Equity 11.73% Interest Income $393,000 Non-Interest Income $4,000

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 Frio County Credit Union had $14,000 in non-current loans and owned real-estate with $935,000 in equity and loan loss allowances on hand to cover it. This gives Frio County Credit Union a Texas Ratio of 1.50% 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 Frio County Credit Union decreased significantly from 7.36% as of December 31, 2010 to 1.50% as of December 31, 2011, resulting in a positive change of 79.66%.This indicates that the balance sheet and financial strength for Frio County Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Frio County Credit Union has increased its total deposits by $523,000, resulting in 16.18% 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 Frio County 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. Frio County Credit Union has $4.67 million in assets with $935,000 in equity, resulting in a capitalization level of 20.01%, which is excellent.

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