Public Employees CU (TX)

Public Employees CU (TX) is headquartered in Austin and is the 58^th largest credit union in the state of Texas. It is also the 693^rd largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 72 employees and 29,655 members. Public Employees CU (TX)'s savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics PUBLIC EMPLOYEES NCUA # 67428 BankRate Report View Year Chartered 1952 Employees 72 Primary Regulator Assets and Liabilities Assets $268.02 million Loans $114.17 million Deposits $245.97 million Equity Capital $21.30 million Loan Loss Allowance $598,000 Unbacked Noncurrent Loans $320,000 Real Estate Owned $30,000 Historic Data - December 2010 Assets $253.18 million Equity Capital $20.46 million Loan Loss Allowance $926,000 Unbacked Noncurrent Loans $725,000 Profit Margin - Quarterly Net Interest Margin 5.43% Return on Assets 0.13% Return on Equity 1.6% Interest Income $7.52 million Non-Interest Income $1.76 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, 2011 Public Employees CU (TX) had $350,000 in non-current loans and owned real-estate with $21.9 million in equity and loan loss allowances on hand to cover it. This gives Public Employees CU (TX) a Texas Ratio of 1.60% 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 Public Employees CU (TX) decreased significantly from 3.39% as of December 31, 2010 to 1.60% as of December 31, 2011, resulting in a positive change of 52.86%.This indicates that the balance sheet and financial strength for Public Employees CU (TX) has improved significantly in recent periods. Deposit Growth In the past year, Public Employees CU (TX) has increased its total deposits by $14.03 million, resulting in 6.05% 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 Public Employees CU (TX) 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. Public Employees CU (TX) has $268.02 million in assets with $21.9 million in equity, resulting in a capitalization level of 8.17%, which is average.

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