Neiman Marcus Group Employees

Neiman Marcus Group Employees is headquartered in Dallas and is the 358^th largest credit union in the state of Texas. It is also the 4,681^st largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 3 employees and 3,349 members. Neiman Marcus Group Employees has a 5-star health rating.

Data for Q4 2011

Institution Statistics NEIMAN MARCUS GROUP EMPLOYEES NCUA # 6304 BankRate Report View Year Chartered 1949 Employees 3 Primary Regulator Assets and Liabilities Assets $9.59 million Loans $4.46 million Deposits $8.59 million Equity Capital $868,000 Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $46,000 Historic Data - December 2010 Assets $8.42 million Equity Capital $944,000 Loan Loss Allowance $55,000 Unbacked Noncurrent Loans $68,000 Profit Margin - Quarterly Net Interest Margin 5.28% Return on Assets -0.78% Return on Equity -8.64% Interest Income $300,000 Non-Interest Income $7,000

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 Neiman Marcus Group Employees had $46,000 in non-current loans and owned real-estate with $919,000 in equity and loan loss allowances on hand to cover it. This gives Neiman Marcus Group Employees a Texas Ratio of 5.01% 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 Neiman Marcus Group Employees decreased slightly from 6.81% as of December 31, 2010 to 5.01% as of December 31, 2011, resulting in a positive change of 26.46%.This indicates that the balance sheet and financial strength for Neiman Marcus Group Employees has improved slightly in recent periods. Deposit Growth In the past year, Neiman Marcus Group Employees has increased its total deposits by $1.22 million, resulting in 16.51% 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 Neiman Marcus Group Employees 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. Neiman Marcus Group Employees has $9.59 million in assets with $919,000 in equity, resulting in a capitalization level of 9.58%, which is average.

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