Highway District 2 Credit Union

Highway District 2 Credit Union is headquartered in Fort Worth and is the 397^th largest credit union in the state of Texas. It is also the 5,198^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 2 employees and 1,058 members. Highway District 2 Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics HIGHWAY DISTRICT 2 NCUA # 67468 BankRate Report View Year Chartered 1958 Employees 2 Primary Regulator Assets and Liabilities Assets $6.61 million Loans $2.45 million Deposits $5.45 million Equity Capital $1.15 million Loan Loss Allowance $11,000 Unbacked Noncurrent Loans $15,000 Historic Data - December 2010 Assets $6.92 million Equity Capital $1.14 million Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $28,000 Profit Margin - Quarterly Net Interest Margin 7.33% Return on Assets 0.09% Return on Equity 0.52% Interest Income $233,000 Non-Interest Income $1,000

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 Highway District 2 Credit Union had $15,000 in non-current loans and owned real-estate with $1.16 million in equity and loan loss allowances on hand to cover it. This gives Highway District 2 Credit Union a Texas Ratio of 1.29% 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 Highway District 2 Credit Union decreased significantly from 2.43% as of December 31, 2010 to 1.29% as of December 31, 2011, resulting in a positive change of 46.75%.This indicates that the balance sheet and financial strength for Highway District 2 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Highway District 2 Credit Union has decreased its total deposits by $-312,000, resulting in -5.41% 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 Highway District 2 Credit Union has shown is poor. 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. Highway District 2 Credit Union has $6.61 million in assets with $1.16 million in equity, resulting in a capitalization level of 17.55%, which is excellent.

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