Oklahoma RE&T Employees Credit Union

Oklahoma RE&T Employees Credit Union is headquartered in Oklahoma City and is the 39^th largest credit union in the state of Oklahoma. It is also the 3,147^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 3 employees and 3,849 members. Oklahoma RE&T Employees Credit Union has a 4-star health rating.

Oklahoma RE&T Employees Credit Union Savings Account Rates

Oklahoma RE&T Employees Credit Union CD Rates

Data for Q4 2011

Institution Statistics OKLAHOMA RE&T EMPLOYEES NCUA # 60994 BankRate Report View Year Chartered 1967 Employees 3 Primary Regulator Assets and Liabilities Assets $26.02 million Loans $17.10 million Deposits $23.25 million Equity Capital $2.73 million Loan Loss Allowance $92,000 Unbacked Noncurrent Loans $98,000 Historic Data - December 2010 Assets $26.36 million Equity Capital $2.72 million Loan Loss Allowance $83,000 Unbacked Noncurrent Loans $82,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.03% Return on Equity 0.26% Interest Income $851,000 Non-Interest Income $3,000

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 Oklahoma RE&T Employees Credit Union had $98,000 in non-current loans and owned real-estate with $2.82 million in equity and loan loss allowances on hand to cover it. This gives Oklahoma RE&T Employees Credit Union a Texas Ratio of 3.48% 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 Oklahoma RE&T Employees Credit Union held steady from 2.93% as of December 31, 2010 to 3.48% as of December 31, 2011, resulting in a negative change of 18.75%. This indicates that the balance sheet and financial strength for Oklahoma RE&T Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Oklahoma RE&T Employees Credit Union has decreased its total deposits by $-341,000, resulting in -1.45% 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 Oklahoma RE&T Employees Credit Union has shown is below 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. Oklahoma RE&T Employees Credit Union has $26.02 million in assets with $2.82 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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