Keystone CU (TX)

Keystone CU (TX) is headquartered in Tyler and is the 191^st largest credit union in the state of Texas. It is also the 2,485^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 11 employees and 4,372 members. Keystone CU (TX) has a 5-star health rating.

Data for Q4 2011

Institution Statistics KEYSTONE NCUA # 67869 BankRate Report View Year Chartered 1964 Employees 11 Primary Regulator Assets and Liabilities Assets $41.81 million Loans $13.70 million Deposits $31.86 million Equity Capital $9.86 million Loan Loss Allowance $180,000 Unbacked Noncurrent Loans $168,000 Real Estate Owned $125,000 Historic Data - December 2010 Assets $41.66 million Equity Capital $9.75 million Loan Loss Allowance $176,000 Unbacked Noncurrent Loans $321,000 Real Estate Owned $125,000 Profit Margin - Quarterly Net Interest Margin 5.5% Return on Assets 0.26% Return on Equity 1.09% Interest Income $1.49 million Non-Interest Income $67,000

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 Keystone CU (TX) had $293,000 in non-current loans and owned real-estate with $10.04 million in equity and loan loss allowances on hand to cover it. This gives Keystone CU (TX) a Texas Ratio of 2.92% 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 Keystone CU (TX) decreased slightly from 4.49% as of December 31, 2010 to 2.92% as of December 31, 2011, resulting in a positive change of 35.04%.This indicates that the balance sheet and financial strength for Keystone CU (TX) has improved slightly in recent periods. Deposit Growth In the past year, Keystone CU (TX) has increased its total deposits by $108,000, resulting in 0.34% 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 Keystone CU (TX) has shown is 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. Keystone CU (TX) has $41.81 million in assets with $10.04 million in equity, resulting in a capitalization level of 24.01%, which is excellent.

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