Members Trust Of The Southwest Credit Union

Members Trust Of The Southwest Credit Union is headquartered in Houston and is the 136^th largest credit union in the state of Texas. It is also the 1,859^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 19 employees and 5,882 members. Members Trust Of The Southwest Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics MEMBERS TRUST OF THE SOUTHWEST NCUA # 1584 BankRate Report View Year Chartered 1936 Employees 19 Primary Regulator Assets and Liabilities Assets $67.64 million Loans $48.36 million Deposits $62.06 million Equity Capital $5.14 million Loan Loss Allowance $1.19 million Unbacked Noncurrent Loans $3.79 million Real Estate Owned $749,000 Historic Data - December 2010 Assets $64.30 million Equity Capital $4.27 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $6.16 million Profit Margin - Quarterly Net Interest Margin 5.66% Return on Assets 1.49% Return on Equity 19.59% Interest Income $3.67 million Non-Interest Income $606,000

Institution Health Overall Score: 3 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 Members Trust Of The Southwest Credit Union had $4.54 million in non-current loans and owned real-estate with $6.33 million in equity and loan loss allowances on hand to cover it. This gives Members Trust Of The Southwest Credit Union a Texas Ratio of 71.73% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Members Trust Of The Southwest Credit Union decreased slightly from 107.88% as of December 31, 2010 to 71.73% as of December 31, 2011, resulting in a positive change of 33.51%.This indicates that the balance sheet and financial strength for Members Trust Of The Southwest Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Members Trust Of The Southwest Credit Union has increased its total deposits by $2.37 million, resulting in 3.96% 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 Members Trust Of The Southwest 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. Members Trust Of The Southwest Credit Union has $67.64 million in assets with $6.33 million in equity, resulting in a capitalization level of 9.36%, which is average.

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