Pollock Employees Credit Union

Pollock Employees Credit Union is headquartered in Dallas and is the 429^th largest credit union in the state of Texas. It is also the 5,574^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 2 employees and 1,159 members. Pollock Employees Credit Union has a 4-star health rating.

Pollock Employees Credit Union Routing Number: 311080049

Data for Q4 2011

Institution Statistics POLLOCK EMPLOYEES NCUA # 67582 BankRate Report View Year Chartered 1934 Employees 2 Primary Regulator Assets and Liabilities Assets $4.78 million Loans $2.53 million Deposits $3.76 million Equity Capital $899,000 Loan Loss Allowance $26,000 Unbacked Noncurrent Loans $116,000 Historic Data - December 2010 Assets $4.58 million Equity Capital $955,000 Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $37,000 Profit Margin - Quarterly Net Interest Margin 6.95% Return on Assets -1.17% Return on Equity -6.23% Interest Income $251,000 Non-Interest Income $19,000

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 Pollock Employees Credit Union had $116,000 in non-current loans and owned real-estate with $925,000 in equity and loan loss allowances on hand to cover it. This gives Pollock Employees Credit Union a Texas Ratio of 12.54% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pollock Employees Credit Union increased slightly from 3.81% as of December 31, 2010 to 12.54% as of December 31, 2011, resulting in a negative change of 229.10%. This indicates that the balance sheet and financial strength for Pollock Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Pollock Employees Credit Union has increased its total deposits by $149,000, resulting in 4.13% 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 Pollock Employees Credit Union has shown is above 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. Pollock Employees Credit Union has $4.78 million in assets with $925,000 in equity, resulting in a capitalization level of 19.37%, which is excellent.

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