Pampa Teachers Credit Union

Pampa Teachers Credit Union is headquartered in PAMPA and is the 345^th largest credit union in the state of Texas. It is also the 4,523^rd largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 4 employees and 1,812 members. Pampa Teachers Credit Union's CD rates are 96% higher than the national average, and it has a 4-star health rating.

Pampa Teachers Credit Union CD Rates

Data for Q4 2011

Institution Statistics PAMPA TEACHERS NCUA # 2046 BankRate Report View Year Chartered 1937 Employees 4 Primary Regulator Assets and Liabilities Assets $10.61 million Loans $5.88 million Deposits $9.42 million Equity Capital $1.16 million Loan Loss Allowance $21,000 Unbacked Noncurrent Loans $189,000 Historic Data - December 2010 Assets $9.09 million Equity Capital $1.00 million Loan Loss Allowance $94,000 Unbacked Noncurrent Loans $406,000 Profit Margin - Quarterly Net Interest Margin 6.67% Return on Assets 1.48% Return on Equity 13.52% Interest Income $508,000 Non-Interest Income $97,000

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 Pampa Teachers Credit Union had $189,000 in non-current loans and owned real-estate with $1.18 million in equity and loan loss allowances on hand to cover it. This gives Pampa Teachers Credit Union a Texas Ratio of 15.99% 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 Pampa Teachers Credit Union decreased significantly from 37.01% as of December 31, 2010 to 15.99% as of December 31, 2011, resulting in a positive change of 56.80%.This indicates that the balance sheet and financial strength for Pampa Teachers Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Pampa Teachers Credit Union has increased its total deposits by $1.38 million, resulting in 17.1% 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 Pampa Teachers 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. Pampa Teachers Credit Union has $10.61 million in assets with $1.18 million in equity, resulting in a capitalization level of 11.14%, which is above average.

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