Resource One Credit Union

PO Box 660077
Dallas, TX 752660077
www.r1cu.org

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Resource One Credit Union is headquartered in Dallas and is the 45^th largest credit union in the state of Texas. It is also the 576^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 133 employees and 43,148 members. Resource One Credit Union's savings rates are 73% higher than the national average, and it has a 4-star health rating.

Resource One Credit Union Routing Number: 311080162

4.50% 5-Year CD and Other High CD Rates at Resource One Credit Union in Texas - 1/11/2009

Resource One Credit Union has several competitive CD rates. Some of the best include a 3.40% APY 12-month CD, a 4.00% APY 36-month CD and a 4.50% APY 60-month CD. Minimum deposit is $1,000. IRA certificates and Jumbo certificates with a $90K minimum have...

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

Resource One Credit Union Checking Account Rates

Apy	Min	Max	Product
0.20%	$2,500	-	Super Power Checking Account
0.15%	$500	-	Power Plus Checking Account

Resource One Credit Union Savings Account Rates

Apy	Min	Max	Product
0.90%	$50	-	IRA Savings Account
0.90%	$50	-	SEP IRA Savings Account
0.25%	$3k	-	Regular Savings Account
0.25%	$3k	-	MyLifeMyMoney Savings Account (MLMM)
0.25%	$250	-	Summer Savings Account
0.25%	$250	-	Holiday Club Account
0.25%	$3k	-	Roary Savings Account
0.25%	$3k	-	CU Succeed Account

Resource One Credit Union Money Market Rates

Apy	Min	Max	Product
0.35%	$25k	-	R1 Money Market Account
0.35%	$50k	-	Executive Suite Money Market Account

Resource One Credit Union CD Rates

Apy	Min	Max	Product
2.10%	$500	-	60 Month Jumbo CD
2.00%	$500	$90k	60 Month CD
1.80%	$500	-	48 Month Jumbo CD
1.70%	$500	$90k	48 Month CD
1.45%	$500	-	36 Month Jumbo CD
1.35%	$500	$90k	36 Month CD
1.25%	$500	-	30 Month Jumbo CD
1.16%	$500	-	24 Month Jumbo CD
1.16%	$1k	-	24 Month Executive Suite Flex CD
1.15%	$500	$90k	30 Month CD
1.06%	$500	$90k	24 Month CD
1.06%	$250	-	24 Month Flex CD
0.95%	$500	-	18 Month Jumbo CD
0.95%	$1k	-	18 Month Executive Suite Flex CD
0.85%	$500	$90k	18 Month CD
0.85%	$250	-	18 Month Flex CD
0.75%	$500	-	12 Month Jumbo CD
0.75%	$1k	-	12 Month Executive Suite Flex CD
0.65%	$500	$90k	12 Month CD
0.65%	$250	-	12 Month Flex CD
0.55%	$500	-	6 Month Jumbo CD
0.55%	$1k	-	6 Month Executive Suite Flex CD
0.45%	$500	$90k	6 Month CD
0.45%	$500	-	3 Month Jumbo CD
0.45%	$250	-	6 Month Flex CD
0.45%	$1k	-	3 Month Executive Suite Flex CD
0.35%	$500	$90k	3 Month CD
0.35%	$250	-	3 Month Flex CD

Resource One Credit Union IRA Rates

Apy	Min	Max	Product
2.10%	$500	-	60 Month IRA
2.10%	$500	-	60 Month SEP IRA
1.80%	$500	-	48 Month IRA
1.80%	$500	-	48 Month SEP IRA
1.45%	$500	-	36 Month IRA
1.45%	$500	-	36 Month SEP IRA
1.25%	$500	-	30 Month IRA
1.25%	$500	-	30 Month SEP IRA
1.16%	$500	-	24 Month IRA
1.16%	$500	-	24 Month SEP IRA
0.95%	$500	-	18 Month IRA
0.95%	$500	-	18 Month SEP IRA
0.75%	$500	-	12 Month IRA
0.75%	$500	-	12 Month SEP IRA
0.55%	$500	-	6 Month IRA
0.55%	$500	-	6 Month SEP IRA
0.45%	$500	-	3 Month IRA
0.45%	$500	-	3 Month SEP IRA

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

RESOURCE ONE
NCUA #	68439
BankRate Report	View
Year Chartered	1936
Employees	133
Primary Regulator
Assets and Liabilities
Assets	$338.08 million
Loans	$304.53 million
Deposits	$308.06 million
Equity Capital	$26.67 million
Loan Loss Allowance	$3.11 million
Unbacked Noncurrent Loans	$2.33 million
Real Estate Owned	$90,000
Historic Data - December 2010
Assets	$310.84 million
Equity Capital	$23.83 million
Loan Loss Allowance	$2.49 million
Unbacked Noncurrent Loans	$1.19 million
Real Estate Owned	$73,000
Profit Margin - Quarterly
Net Interest Margin	4.74%
Return on Assets	0.62%
Return on Equity	7.91%
Interest Income	$18.43 million
Non-Interest Income	$7.75 million

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 Resource One Credit Union had $2.42 million in non-current loans and owned real-estate with $29.78 million in equity and loan loss allowances on hand to cover it. This gives Resource One Credit Union a Texas Ratio of 8.13% 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 Resource One Credit Union held steady from 4.81% as of December 31, 2010 to 8.13% as of December 31, 2011, resulting in a negative change of 69.08%. This indicates that the balance sheet and financial strength for Resource One Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Resource One Credit Union has increased its total deposits by $23.43 million, resulting in 8.23% 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 Resource One 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. Resource One Credit Union has $338.08 million in assets with $29.78 million in equity, resulting in a capitalization level of 8.81%, which is average.