Loco Credit Union

Loco Credit Union is headquartered in ALAMOGORDO and is the 23^rd largest credit union in the state of New Mexico. It is also the 3,026^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 11 employees and 3,895 members. Loco Credit Union's CD rates are 18% higher than the national average, and it boasts a 5-star health rating.

Loco Credit Union Routing Number: 312276030

Loco Credit Union Savings Account Rates

Loco Credit Union CD Rates

Loco Credit Union IRA Rates

Data for Q4 2011

Institution Statistics LOCO NCUA # 66117 BankRate Report View Year Chartered 1953 Employees 11 Primary Regulator Assets and Liabilities Assets $28.35 million Loans $15.27 million Deposits $25.08 million Equity Capital $3.05 million Loan Loss Allowance $149,000 Unbacked Noncurrent Loans $18,000 Historic Data - December 2010 Assets $25.13 million Equity Capital $2.55 million Loan Loss Allowance $145,000 Unbacked Noncurrent Loans $3,000 Profit Margin - Quarterly Net Interest Margin 8.84% Return on Assets 1.76% Return on Equity 16.39% Interest Income $1.69 million Non-Interest Income $423,000

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 Loco Credit Union had $18,000 in non-current loans and owned real-estate with $3.2 million in equity and loan loss allowances on hand to cover it. This gives Loco Credit Union a Texas Ratio of 0.56% 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 Loco Credit Union held steady from 0.11% as of December 31, 2010 to 0.56% as of December 31, 2011, resulting in a negative change of 405.31%. This indicates that the balance sheet and financial strength for Loco Credit Union has held steady in recent periods. Deposit Growth In the past year, Loco Credit Union has increased its total deposits by $2.69 million, resulting in 12.03% 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 Loco 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. Loco Credit Union has $28.35 million in assets with $3.2 million in equity, resulting in a capitalization level of 11.29%, which is above average.

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