Las Colinas Credit Union

PO Box 630347
Irving, TX 75063
214-273-5094
www.lascolinasfcu.com

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Las Colinas Credit Union is headquartered in Irving and is the 164^th largest credit union in the state of Texas. It is also the 2,158^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 17 employees and 9,426 members. Las Colinas Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Las Colinas Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	$500	-	Regular Checking Account
0.05%	$500	-	Senior Checking Account

Las Colinas Credit Union Savings Account Rates

Apy	Min	Max	Product
1.11%	$1k	$2k	Starting Over Savings Account
0.30%	$10k	-	IRA Savings Account
0.30%	$10k	-	Roth IRA Savings Account
0.30%	$10k	-	CESA Savings Account
0.15%	$25k	-	Holiday Club Account
0.15%	$25k	-	Special Savings Account
0.15%	$25k	-	Savings Account

Las Colinas Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$50k	-	Money Market Account

Las Colinas Credit Union CD Rates

Apy	Min	Max	Product
1.71%	$50k	-	60 Month CD
1.46%	$50k	-	60 Month STEP UP Term CD
1.31%	$50k	-	48 Month CD
1.06%	$50k	-	48 Month STEP UP Term CD
1.00%	$50k	-	36 Month CD
0.80%	$50k	-	24 Month CD
0.75%	$50k	-	36 Month STEP UP Term CD
0.55%	$50k	-	24 Month STEP UP Term CD
0.50%	$50k	-	18 Month CD
0.45%	$50k	-	12 Month CD
0.30%	$50k	-	6 Month CD
0.25%	$50k	-	3 Month CD

Las Colinas Credit Union IRA Rates

Apy	Min	Max	Product
1.71%	$50k	-	60 Month IRA
1.71%	$50k	-	60 Month Roth IRA
1.71%	$50k	-	60 Month CESA
1.46%	$50k	-	60 Month Step Up IRA
1.46%	$50k	-	60 Month Step Up Roth IRA
1.46%	$50k	-	60 Month Step Up CESA
1.31%	$50k	-	48 Month IRA
1.31%	$50k	-	48 Month Roth IRA
1.31%	$50k	-	48 Month CESA
1.06%	$50k	-	48 Month Step Up IRA
1.06%	$50k	-	48 Month Step Up Roth IRA
1.06%	$50k	-	48 Month Step Up CESA
1.00%	$50k	-	36 Month IRA
1.00%	$50k	-	36 Month Roth IRA
1.00%	$50k	-	36 Month CESA
0.80%	$50k	-	24 Month IRA
0.80%	$50k	-	24 Month Roth IRA
0.80%	$50k	-	24 Month CESA
0.75%	$50k	-	36 Month Step Up IRA
0.75%	$50k	-	36 Month Step Up Roth IRA
0.75%	$50k	-	36 Month Step Up CESA
0.55%	$50k	-	24 Month Step Up IRA
0.55%	$50k	-	24 Month Step Up Roth IRA
0.55%	$50k	-	24 Month Step Up CESA
0.50%	$50k	-	18 Month IRA
0.50%	$50k	-	18 Month Roth IRA
0.50%	$50k	-	18 Month CESA
0.45%	$50k	-	12 Month IRA
0.45%	$50k	-	12 Month Roth IRA
0.45%	$50k	-	12 Month CESA
0.30%	$50k	-	6 Month IRA
0.30%	$50k	-	6 Month Roth IRA
0.30%	$50k	-	6 Month CESA
0.25%	$50k	-	3 Month IRA
0.25%	$50k	-	3 Month Roth IRA
0.25%	$50k	-	3 Month CESA

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

LAS COLINAS
NCUA #	10424
BankRate Report	View
Year Chartered	1955
Employees	17
Primary Regulator
Assets and Liabilities
Assets	$53.59 million
Loans	$26.64 million
Deposits	$47.73 million
Equity Capital	$5.17 million
Loan Loss Allowance	$90,000
Unbacked Noncurrent Loans	$50,000
Historic Data - December 2010
Assets	$52.71 million
Equity Capital	$5.23 million
Loan Loss Allowance	$113,000
Unbacked Noncurrent Loans	$528,000
Profit Margin - Quarterly
Net Interest Margin	5%
Return on Assets	-0.12%
Return on Equity	-1.22%
Interest Income	$1.66 million
Non-Interest Income	$753,000

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 Las Colinas Credit Union had $50,000 in non-current loans and owned real-estate with $5.26 million in equity and loan loss allowances on hand to cover it. This gives Las Colinas Credit Union a Texas Ratio of 0.95% 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 Las Colinas Credit Union decreased significantly from 9.88% as of December 31, 2010 to 0.95% as of December 31, 2011, resulting in a positive change of 90.37%.This indicates that the balance sheet and financial strength for Las Colinas Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Las Colinas Credit Union has increased its total deposits by $804,000, resulting in 1.71% 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 Las Colinas 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. Las Colinas Credit Union has $53.59 million in assets with $5.26 million in equity, resulting in a capitalization level of 9.81%, which is average.

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