Peco Credit Union

Peco Credit Union is headquartered in Mineral Wells and is the 426^th largest credit union in the state of Texas. It is also the 5,553^rd largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 3 employees and 862 members. Peco Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics PECO NCUA # 11761 BankRate Report View Year Chartered 1957 Employees 3 Primary Regulator Assets and Liabilities Assets $4.85 million Loans $2.64 million Deposits $4.28 million Equity Capital $549,000 Loan Loss Allowance $55,000 Unbacked Noncurrent Loans $92,000 Historic Data - December 2010 Assets $4.86 million Equity Capital $543,000 Loan Loss Allowance $58,000 Unbacked Noncurrent Loans $199,000 Profit Margin - Quarterly Net Interest Margin 9.97% Return on Assets 0.12% Return on Equity 1.09% Interest Income $314,000 Non-Interest Income $5,000

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 Peco Credit Union had $92,000 in non-current loans and owned real-estate with $604,000 in equity and loan loss allowances on hand to cover it. This gives Peco Credit Union a Texas Ratio of 15.23% 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 Peco Credit Union decreased significantly from 33.11% as of December 31, 2010 to 15.23% as of December 31, 2011, resulting in a positive change of 54.00%.This indicates that the balance sheet and financial strength for Peco Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Peco Credit Union has decreased its total deposits by $-16,000, resulting in -0.37% 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 Peco Credit Union has shown is 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. Peco Credit Union has $4.85 million in assets with $604,000 in equity, resulting in a capitalization level of 12.46%, which is excellent.

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