Lynn-Co Credit Union

Lynn-Co Credit Union is headquartered in TAHOKA and is the 518^st largest credit union in the state of Texas. It is also the 6,810^st largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 1 employees and 407 members. Lynn-Co Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics LYNN-CO NCUA # 13771 BankRate Report View Year Chartered 1960 Employees 1 Primary Regulator Assets and Liabilities Assets $777,000 Loans $263,000 Deposits $496,000 Equity Capital $279,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $6,000 Historic Data - December 2010 Assets $765,000 Equity Capital $306,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $18,000 Profit Margin - Quarterly Net Interest Margin 11% Return on Assets -3.47% Return on Equity -9.68% Interest Income $32,000

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 Lynn-Co Credit Union had $6,000 in non-current loans and owned real-estate with $288,000 in equity and loan loss allowances on hand to cover it. This gives Lynn-Co Credit Union a Texas Ratio of 2.08% 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 Lynn-Co Credit Union decreased significantly from 5.71% as of December 31, 2010 to 2.08% as of December 31, 2011, resulting in a positive change of 63.54%.This indicates that the balance sheet and financial strength for Lynn-Co Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Lynn-Co Credit Union has increased its total deposits by $39,000, resulting in 8.53% 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 Lynn-Co 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. Lynn-Co Credit Union has $777,000 in assets with $288,000 in equity, resulting in a capitalization level of 37.07%, which is excellent.

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