Mid-Tex Credit Union

Mid-Tex Credit Union is headquartered in BROWNWOOD and is the 279^th largest credit union in the state of Texas. It is also the 3,738^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 12 employees and 3,898 members. Mid-Tex Credit Union has a 3-star health rating.

Mid-Tex Credit Union CD Rates

Data for Q4 2011

Institution Statistics MID-TEX NCUA # 24454 BankRate Report View Year Chartered 1961 Employees 12 Primary Regulator Assets and Liabilities Assets $17.82 million Loans $10.28 million Deposits $16.69 million Equity Capital $1.07 million Loan Loss Allowance $58,000 Unbacked Noncurrent Loans $178,000 Historic Data - December 2010 Assets $16.67 million Equity Capital $948,000 Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $40,000 Profit Margin - Quarterly Net Interest Margin 7.22% Return on Assets 0.67% Return on Equity 11.24% Interest Income $794,000 Non-Interest Income $320,000

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 Mid-Tex Credit Union had $178,000 in non-current loans and owned real-estate with $1.13 million in equity and loan loss allowances on hand to cover it. This gives Mid-Tex Credit Union a Texas Ratio of 15.81% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mid-Tex Credit Union increased slightly from 3.96% as of December 31, 2010 to 15.81% as of December 31, 2011, resulting in a negative change of 298.76%. This indicates that the balance sheet and financial strength for Mid-Tex Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Mid-Tex Credit Union has increased its total deposits by $1 million, resulting in 6.39% 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 Mid-Tex 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. Mid-Tex Credit Union has $17.82 million in assets with $1.13 million in equity, resulting in a capitalization level of 6.32%, which is below average.

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