GENCO Federal Credit Union

GENCO Federal Credit Union is headquartered in WACO and is the 65^th largest credit union in the state of Texas. It is also the 802^nd largest credit union in the nation. It was established in 1953 and as of September of 2011, it had grown to 80 employees and 32,546 members. GENCO Federal Credit Union's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

GENCO Federal Credit Union Routing Number: 311990029

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Data for Q3 2011

Institution Statistics GENCO NCUA # 8585 BankRate Report View Year Established 1953 Employees 80 Primary Regulator Assets and Liabilities Assets $221.56 million Loans $133.73 million Deposits $198.21 million Equity Capital $22.54 million Loan Loss Allowance $749,000 Unbacked Noncurrent Loans $393,000 Historic Data - September 2010 Assets $211.47 million Equity Capital $19.95 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $744,000 Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 1.17% Return on Equity 11.53% Interest Income $6.55 million Non-Interest Income $3.23 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 GENCO Federal Credit Union had $393,000 in non-current loans and owned real-estate with $23.29 million in equity and loan loss allowances on hand to cover it. This gives GENCO Federal Credit Union a Texas Ratio of 1.69% 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 GENCO Federal Credit Union decreased significantly from 3.54% as of September 30, 2010 to 1.69% as of September 30, 2011, resulting in a positive change of 52.34%.This indicates that the balance sheet and financial strength for GENCO Federal Credit Union has improved significantly in recent periods. Deposit Growth In the past year, GENCO Federal Credit Union has increased its total deposits by $8.1 million, resulting in 4.26% 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 GENCO 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. GENCO Federal Credit Union has $221.56 million in assets with $23.29 million in equity, resulting in a capitalization level of 10.51%, which is above average.

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