Red River Employees Credit Union

Red River Employees Credit Union is headquartered in Texarkana and is the 24^th largest credit union in the state of Texas. It is also the 333^rd largest credit union in the nation. It was established in 1943 and as of December of 2011, it had grown to 205 employees and 63,126 members. Red River Employees Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics RED RIVER EMPLOYEES NCUA # 5029 BankRate Report View Year Chartered 1943 Employees 205 Primary Regulator Assets and Liabilities Assets $587.39 million Loans $337.58 million Deposits $528.10 million Equity Capital $55.19 million Loan Loss Allowance $1.92 million Unbacked Noncurrent Loans $2.05 million Real Estate Owned $486,000 Historic Data - December 2010 Assets $539.54 million Equity Capital $50.54 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $2.43 million Real Estate Owned $486,000 Profit Margin - Quarterly Net Interest Margin 4.98% Return on Assets 0.79% Return on Equity 8.41% Interest Income $22.35 million Non-Interest Income $8.67 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 Red River Employees Credit Union had $2.53 million in non-current loans and owned real-estate with $57.11 million in equity and loan loss allowances on hand to cover it. This gives Red River Employees Credit Union a Texas Ratio of 4.43% 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 Red River Employees Credit Union decreased slightly from 5.55% as of December 31, 2010 to 4.43% as of December 31, 2011, resulting in a positive change of 20.21%.This indicates that the balance sheet and financial strength for Red River Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Red River Employees Credit Union has increased its total deposits by $42.56 million, resulting in 8.77% 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 Red River Employees 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. Red River Employees Credit Union has $587.38 million in assets with $57.11 million in equity, resulting in a capitalization level of 9.72%, which is average.

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