Mobiloil Credit Union

Mobiloil Credit Union is headquartered in Beaumont and is the 42^nd largest credit union in the state of Texas. It is also the 498^th largest credit union in the nation. It was established in 1935 and as of September of 2011, it had grown to 123 employees and 43,415 members. Mobiloil Credit Union has a 5-star health rating.

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Data for Q3 2011

Institution Statistics MOBILOIL NCUA # 491 BankRate Report View Year Established 1935 Employees 123 Primary Regulator Assets and Liabilities Assets $384.82 million Loans $272.11 million Deposits $342.63 million Equity Capital $39.61 million Loan Loss Allowance $2.05 million Unbacked Noncurrent Loans $1.44 million Historic Data - September 2010 Assets $366.89 million Equity Capital $34.93 million Loan Loss Allowance $2.09 million Unbacked Noncurrent Loans $1.04 million Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 1.06% Return on Equity 10.26% Interest Income $13.04 million Non-Interest Income $4.30 million

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 September 30, 2011 Mobiloil Credit Union had $1.44 million in non-current loans and owned real-estate with $41.66 million in equity and loan loss allowances on hand to cover it. This gives Mobiloil Credit Union a Texas Ratio of 3.45% 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 Mobiloil Credit Union held steady from 2.80% as of September 30, 2010 to 3.45% as of September 30, 2011, resulting in a negative change of 23.12%. This indicates that the balance sheet and financial strength for Mobiloil Credit Union has held steady in recent periods. Deposit Growth In the past year, Mobiloil Credit Union has increased its total deposits by $12.81 million, resulting in 3.88% 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 Mobiloil 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. Mobiloil Credit Union has $384.82 million in assets with $41.66 million in equity, resulting in a capitalization level of 10.83%, which is above average.

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