Kc Terminal Empl/Guadalupe Center Credit Union

Kc Terminal Empl/Guadalupe Center Credit Union is headquartered in KANSAS CITY and is the 125^th largest credit union in the state of Missouri. It is also the 6,648^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 1 employees and 634 members. Kc Terminal Empl/Guadalupe Center Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics KC TERMINAL EMPL/GUADALUPE CENTER NCUA # 4531 BankRate Report View Year Chartered 1941 Employees 1 Primary Regulator Assets and Liabilities Assets $1.12 million Loans $1.12 million Deposits $872,000 Equity Capital $250,000 Loan Loss Allowance $25,000 Unbacked Noncurrent Loans $82,000 Historic Data - December 2010 Assets $932,000 Equity Capital $227,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $77,000 Profit Margin - Quarterly Net Interest Margin 7.78% Return on Assets 2.05% Return on Equity 9.2% Interest Income $96,000 Non-Interest Income $19,000

Institution Health Overall Score: 4 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 Kc Terminal Empl/Guadalupe Center Credit Union had $82,000 in non-current loans and owned real-estate with $275,000 in equity and loan loss allowances on hand to cover it. This gives Kc Terminal Empl/Guadalupe Center Credit Union a Texas Ratio of 29.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kc Terminal Empl/Guadalupe Center Credit Union held steady from 30.92% as of December 31, 2010 to 29.82% as of December 31, 2011, resulting in a positive change of 3.57%.This indicates that the balance sheet and financial strength for Kc Terminal Empl/Guadalupe Center Credit Union has held steady in recent periods. Deposit Growth In the past year, Kc Terminal Empl/Guadalupe Center Credit Union has increased its total deposits by $169,000, resulting in 24.04% 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 Kc Terminal Empl/Guadalupe Center 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. Kc Terminal Empl/Guadalupe Center Credit Union has $1.12 million in assets with $275,000 in equity, resulting in a capitalization level of 24.47%, which is excellent.

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