Qualtrust Credit Union

PO Box 154668
Irving, TX 75016
(972)714-1300
www.qualtrust.com

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Qualtrust Credit Union is headquartered in Irving and is the 75^th largest credit union in the state of Texas. It is also the 904^th largest credit union in the nation. It was established in 1948 and as of September of 2011, it had grown to 72 employees and 23,329 members. Qualtrust Credit Union has a 5-star health rating.

Qualtrust Credit Union Routing Number: 311987870

Best Long-Term CD and IRA CD Rates in Texas Continue at Qualtrust Credit Union - Local Only - 5/19/2010

Qualtrust Credit Union continues to offer competitive long-term certificate rates. The following rates are listed at the credit union's rates page as of 5/18/2010: 3.56% APY 60 months 3.30% ...

Best Long-Term CD Rates in Texas at Qualtrust Credit Union (Forum) - 4/28/2010

Qualtrust Credit Union continues to offer two very competitive CD rates as of 4/28/2010: 3.56% APY for 5-years and 3.30% APY for 4-years. Those in parts of Dallas metro or in San Angelo can qualify for membership. Please refer to the Qualtrust Credit Unio

Top Long-Term CD and IRA CD Rates at Qualtrust Credit Union in Texas - Local Only - 4/1/2010

Qualtrust Credit Union continues to offer competitive long-term certificate rates. The following rates are listed at the credit union's rates page as of 4/01/2010: 3.56% APY 5 year 3.30% APY ...

Competitive Long-Term CD Rates at Qualtrust Credit Union in Dallas - Local Only (Forum) - 2/11/2010

Qualtrust Credit Union continues to offer some top CD and IRA CD rates. Some of the most competitive include a 3.56% APY 5-year CD and a 3.30% APY 4-year CD as of 2/11/2010. Refer to my December Qualtrust review for more details.

2009

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

Qualtrust Credit Union Checking Account Rates

Apy	Min	Max	Product
0.50%	$30k	-	Investment Checking
0.05%	$1k	-	Member Checking
0.05%	-	-	Circle of Success Checking

Qualtrust Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	-	-	IRA Share - Traditional IRA
0.40%	-	-	IRA Share - Roth IRA
0.40%	-	-	IRA Share - CESA
0.40%	-	-	IRA Share - SEP IRA
0.20%	-	-	Club
0.20%	-	-	Savings

Qualtrust Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$2,500	-	Money Market

Qualtrust Credit Union CD Rates

Apy	Min	Max	Product
0.85%	$1k	-	2 Year Term Share Certificate
0.85%	$1k	-	30 Month Term Share Certificate
0.85%	$1k	-	3 Year Term Share Certificate
0.85%	$1k	-	4 Year Term Share Certificate
0.85%	$1k	-	5 Year Term Share Certificate
0.80%	$1k	-	18 Month Term Share Certificate
0.70%	$1k	-	1 Year Term Share Certificate
0.70%	$250	-	1 Year Smart Start Term Share Certificate
0.40%	$1k	-	6 Month Term Share Certificate
0.25%	$1k	-	3 Month Term Share Certificate

Qualtrust Credit Union IRA Rates

Apy	Min	Max	Product
0.85%	$1k	-	24 Month IRA
0.85%	$1k	-	30 Month IRA
0.85%	$1k	-	36 Month IRA
0.85%	$1k	-	48 Month IRA
0.85%	$1k	-	60 Month IRA
0.85%	$1k	-	24 Month Roth IRA
0.85%	$1k	-	30 Month Roth IRA
0.85%	$1k	-	36 Month Roth IRA
0.85%	$1k	-	48 Month Roth IRA
0.85%	$1k	-	60 Month Roth IRA
0.85%	$1k	-	24 Month CESA
0.85%	$1k	-	30 Month CESA
0.85%	$1k	-	36 Month CESA
0.85%	$1k	-	48 Month CESA
0.85%	$1k	-	60 Month CESA
0.85%	$1k	-	24 Month SEP IRA
0.85%	$1k	-	30 Month SEP IRA
0.85%	$1k	-	36 Month SEP IRA
0.85%	$1k	-	48 Month SEP IRA
0.85%	$1k	-	60 Month SEP IRA
0.80%	$1k	-	18 Month IRA
0.80%	$1k	-	18 Month Roth IRA
0.80%	$1k	-	18 Month CESA
0.80%	$1k	-	18 Month SEP IRA
0.70%	$1k	-	12 Month IRA
0.70%	$1k	-	12 Month Roth IRA
0.70%	$1k	-	12 Month CESA
0.70%	$1k	-	12 Month SEP IRA
0.40%	$1k	-	6 Month IRA
0.40%	$1k	-	6 Month Roth IRA
0.40%	$1k	-	6 Month CESA
0.40%	$1k	-	6 Month SEP IRA
0.25%	$1k	-	3 Month IRA
0.25%	$1k	-	3 Month Roth IRA
0.25%	$1k	-	3 Month CESA
0.25%	$1k	-	3 Month SEP IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

QUALTRUST
NCUA #	68569
BankRate Report	View
Year Established	1948
Employees	72
Primary Regulator
Assets and Liabilities
Assets	$185.56 million
Loans	$124.66 million
Deposits	$166.43 million
Equity Capital	$16.91 million
Loan Loss Allowance	$818,000
Unbacked Noncurrent Loans	$1.07 million
Real Estate Owned	$15,000
Historic Data - September 2010
Assets	$179.84 million
Equity Capital	$15.91 million
Loan Loss Allowance	$1.20 million
Unbacked Noncurrent Loans	$1.33 million
Real Estate Owned	$27,000
Profit Margin - Quarterly
Net Interest Margin	3.64%
Return on Assets	0.32%
Return on Equity	3.47%
Interest Income	$5.96 million
Non-Interest Income	$1.55 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 September 30, 2011 Qualtrust Credit Union had $1.08 million in non-current loans and owned real-estate with $17.72 million in equity and loan loss allowances on hand to cover it. This gives Qualtrust Credit Union a Texas Ratio of 6.11% 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 Qualtrust Credit Union decreased slightly from 7.95% as of September 30, 2010 to 6.11% as of September 30, 2011, resulting in a positive change of 23.17%.This indicates that the balance sheet and financial strength for Qualtrust Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Qualtrust Credit Union has increased its total deposits by $4.31 million, resulting in 2.66% 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 Qualtrust 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. Qualtrust Credit Union has $185.56 million in assets with $17.72 million in equity, resulting in a capitalization level of 9.55%, which is average.