San Antonio Water System Credit Union

San Antonio Water System Credit Union is headquartered in San Antonio and is the 467^th largest credit union in the state of Texas. It is also the 6,042^nd largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 2 employees and 1,094 members. San Antonio Water System Credit Union has a 5-star health rating.

San Antonio Water System Credit Union Savings Account Rates

San Antonio Water System Credit Union CD Rates

Data for Q4 2011

Institution Statistics SAN ANTONIO WATER SYSTEM NCUA # 12200 BankRate Report View Year Chartered 1958 Employees 2 Primary Regulator Assets and Liabilities Assets $2.96 million Loans $1.95 million Deposits $2.68 million Equity Capital $282,000 Loan Loss Allowance $18,000 Unbacked Noncurrent Loans $9,000 Historic Data - December 2010 Assets $2.68 million Equity Capital $278,000 Loan Loss Allowance $13,000 Unbacked Noncurrent Loans $10,000 Profit Margin - Quarterly Net Interest Margin 8.7% Return on Assets 0.13% Return on Equity 1.42% Interest Income $184,000 Non-Interest Income $47,000

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 San Antonio Water System Credit Union had $9,000 in non-current loans and owned real-estate with $300,000 in equity and loan loss allowances on hand to cover it. This gives San Antonio Water System Credit Union a Texas Ratio of 3.00% 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 San Antonio Water System Credit Union held steady from 3.44% as of December 31, 2010 to 3.00% as of December 31, 2011, resulting in a positive change of 12.70%.This indicates that the balance sheet and financial strength for San Antonio Water System Credit Union has held steady in recent periods. Deposit Growth In the past year, San Antonio Water System Credit Union has increased its total deposits by $275,000, resulting in 11.45% 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 San Antonio Water System 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. San Antonio Water System Credit Union has $2.96 million in assets with $300,000 in equity, resulting in a capitalization level of 10.12%, which is above average.

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