People's Trust Credit Union

P. O. Box 4511
Houston, TX 77210
800-321-2411
www.peoplestrustfcu.org

NCUA

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People's Trust Credit Union is headquartered in Houston and is the 39^th largest credit union in the state of Texas. It is also the 472^nd largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 82 employees and 36,976 members. People's Trust Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

People's Trust Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Legacy Checking
0.02%	$2,500	-	Premier Checking

People's Trust Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Roth IRA Contributory Savings
0.25%	-	-	Educational IRA Contributory Savings
0.25%	-	-	SEP IRA Contributory Savings
0.25%	-	-	Traditional IRA Contributory Savings
0.02%	-	-	Super Savings
0.02%	-	-	Christmas Club
0.01%	-	-	Access Savings

People's Trust Credit Union Money Market Rates

Apy	Min	Max	Product
0.16%	$125k	-	Premier Money Market
0.08%	$125k	-	Gold Money Market
0.06%	$125k	-	Classic Money Market

People's Trust Credit Union CD Rates

Apy	Min	Max	Product
1.80%	$100k	-	60 Month Term Share
1.56%	$100k	-	48 Month Term Share
1.07%	$100k	-	36 Month Term Share
0.76%	$100k	-	24 Month Term Share
0.69%	$100k	-	18 Month Term Share
0.56%	$100k	-	12 Month Term Share
0.22%	$100k	-	9 Month Term Share
0.20%	$100k	-	6 Month Term Share
0.18%	$100k	-	3 Month Term Share

People's Trust Credit Union IRA Rates

Apy	Min	Max	Product
1.80%	$100k	-	60 Month Traditional IRA Term Share
1.80%	$100k	-	60 Month Roth IRA Term Share
1.80%	$100k	-	60 Month Conduit IRA Term Share
1.80%	$100k	-	60 Month SEP IRA Term Share
1.80%	$100k	-	60 Month Educational IRA Term Share
1.56%	$100k	-	48 Month Traditional IRA Term Share
1.56%	$100k	-	48 Month Roth IRA Term Share
1.56%	$100k	-	48 Month Conduit IRA Term Share
1.56%	$100k	-	48 Month SEP IRA Term Share
1.56%	$100k	-	48 Month Educational IRA Term Share
1.07%	$100k	-	36 Month Traditional IRA Term Share
1.07%	$100k	-	36 Month Roth IRA Term Share
1.07%	$100k	-	36 Month Conduit IRA Term Share
1.07%	$100k	-	36 Month SEP IRA Term Share
1.07%	$100k	-	36 Month Educational IRA Term Share
0.76%	$100k	-	24 Month Traditional IRA Term Share
0.76%	$100k	-	24 Month Roth IRA Term Share
0.76%	$100k	-	24 Month Conduit IRA Term Share
0.76%	$100k	-	24 Month SEPIRA Term Share
0.76%	$100k	-	24 Month Educational IRA Term Share
0.69%	$100k	-	18 Month Traditional IRA Term Share
0.69%	$100k	-	18 Month Roth IRA Term Share
0.69%	$100k	-	18 Month Conduit IRA Term Share
0.69%	$100k	-	18 Month SEP IRA Term Share
0.69%	$100k	-	18 Month Educational IRA Term Share
0.56%	$100k	-	12 Month Traditional IRA Term Share
0.56%	$100k	-	12 Month Roth IRA Term Share
0.56%	$100k	-	12 Month Conduit IRA Term Share
0.56%	$100k	-	12 Month SEP IRA Term Share
0.56%	$100k	-	12 Month Educational IRA Term Share
0.22%	$100k	-	9 Month Traditional IRA Term Share
0.22%	$100k	-	9 Month Roth IRA Term Share
0.22%	$100k	-	9 Month Conduit IRA Term Share
0.22%	$100k	-	9 Month SEP IRA Term Share
0.22%	$100k	-	9 Month Educational IRA Term Share
0.20%	$100k	-	6 Month Traditional IRA Term Share
0.20%	$100k	-	6 Month Roth IRA Term Share
0.20%	$100k	-	6 Month Conduit IRA Term Share
0.20%	$100k	-	6 Month SEP IRA Term Share
0.20%	$100k	-	6 Month Educational IRA Term Share
0.18%	$100k	-	3 Month Traditional IRA Term Share
0.18%	$100k	-	3 Month Roth IRA Term Share
0.18%	$100k	-	3 Month Conduit IRA Term Share
0.18%	$100k	-	3 Month SEP IRA Term Share
0.18%	$100k	-	3 Month Educational IRA Term Share

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

PEOPLE'S TRUST
NCUA #	177
BankRate Report	View
Year Chartered	1935
Employees	82
Primary Regulator
Assets and Liabilities
Assets	$441.09 million
Loans	$184.76 million
Deposits	$403.06 million
Equity Capital	$36.83 million
Loan Loss Allowance	$4.80 million
Unbacked Noncurrent Loans	$1.84 million
Real Estate Owned	$124,000
Historic Data - December 2011
Assets	$416.63 million
Equity Capital	$31.84 million
Loan Loss Allowance	$7.62 million
Unbacked Noncurrent Loans	$8.25 million
Real Estate Owned	$416,000
Profit Margin - Quarterly
Net Interest Margin	6.47%
Return on Assets	0.75%
Return on Equity	8.94%
Interest Income	$15.45 million
Non-Interest Income	$4.21 million

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, 2012 People's Trust Credit Union had $1.97 million in non-current loans and owned real-estate with $41.63 million in equity and loan loss allowances on hand to cover it. This gives People's Trust Credit Union a Texas Ratio of 4.73% 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 People's Trust Credit Union decreased significantly from 21.97% as of December 31, 2011 to 4.73% as of December 31, 2012, resulting in a positive change of 78.49%.This indicates that the balance sheet and financial strength for People's Trust Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, People's Trust Credit Union has increased its total deposits by $19.47 million, resulting in 5.07% 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 People's Trust 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. People's Trust Credit Union has $441.09 million in assets with $41.63 million in equity, resulting in a capitalization level of 9.44%, which is average.

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