H E B Credit Union

H E B Credit Union is headquartered in San Antonio and is the 91^st largest credit union in the state of Texas. It is also the 1,188^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 43 employees and 17,072 members. H E B Credit Union's money market rates are 59% higher than the national average, and it boasts a 5-star health rating.

H E B Credit Union Savings Account Rates

H E B Credit Union Money Market Rates

H E B Credit Union CD Rates

H E B Credit Union IRA Rates

Data for Q4 2011

Institution Statistics H E B NCUA # 15650 BankRate Report View Year Chartered 1963 Employees 43 Primary Regulator Assets and Liabilities Assets $129.56 million Loans $93.75 million Deposits $106.37 million Equity Capital $20.13 million Loan Loss Allowance $610,000 Unbacked Noncurrent Loans $78,000 Historic Data - December 2010 Assets $124.58 million Equity Capital $19.22 million Loan Loss Allowance $684,000 Unbacked Noncurrent Loans $70,000 Profit Margin - Quarterly Net Interest Margin 4.89% Return on Assets 0.68% Return on Equity 4.4% Interest Income $5.69 million Non-Interest Income $3.09 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 H E B Credit Union had $78,000 in non-current loans and owned real-estate with $20.74 million in equity and loan loss allowances on hand to cover it. This gives H E B Credit Union a Texas Ratio of 0.38% 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 H E B Credit Union held steady from 0.35% as of December 31, 2010 to 0.38% as of December 31, 2011, resulting in a negative change of 6.92%. This indicates that the balance sheet and financial strength for H E B Credit Union has held steady in recent periods. Deposit Growth In the past year, H E B Credit Union has increased its total deposits by $3.25 million, resulting in 3.15% 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 H E B 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. H E B Credit Union has $129.56 million in assets with $20.74 million in equity, resulting in a capitalization level of 16.01%, which is excellent.

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