Oak Cliff Christian Credit Union

Oak Cliff Christian Credit Union is headquartered in Dallas and is the 472^nd largest credit union in the state of Texas. It is also the 6,120^th largest credit union in the nation. It was established in 2008 and as of December of 2011, it had grown to 2 employees and 1,231 members. Oak Cliff Christian Credit Union's savings rates are 35% higher than the national average, and it has a 4-star health rating.

Oak Cliff Christian Credit Union Savings Account Rates

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Oak Cliff Christian Credit Union CD Rates

Data for Q4 2011

Institution Statistics OAK CLIFF CHRISTIAN NCUA # 24804 BankRate Report View Year Chartered 2008 Employees 2 Primary Regulator Assets and Liabilities Assets $2.67 million Loans $1.40 million Deposits $2.41 million Equity Capital $122,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $5,000 Historic Data - December 2010 Assets $2.25 million Equity Capital $93,000 Loan Loss Allowance $6,000 Profit Margin - Quarterly Net Interest Margin 4.95% Return on Assets 1.09% Return on Equity 23.77% Interest Income $88,000 Non-Interest Income $93,000

Institution Health Overall Score: 4 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 Oak Cliff Christian Credit Union had $5,000 in non-current loans and owned real-estate with $129,000 in equity and loan loss allowances on hand to cover it. This gives Oak Cliff Christian Credit Union a Texas Ratio of 3.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Oak Cliff Christian Credit Union has increased its total deposits by $360,000, resulting in 17.57% 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 Oak Cliff Christian 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. Oak Cliff Christian Credit Union has $2.67 million in assets with $129,000 in equity, resulting in a capitalization level of 4.83%, which is poor.

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