Smart Financial Credit Union

Smart Financial Credit Union is headquartered in Houston and is the 32^nd largest credit union in the state of Texas. It is also the 408^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 210 employees and 79,998 members. Smart Financial Credit Union's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

Smart Financial Credit Union Routing Number: 313083578

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Data for Q4 2011

Institution Statistics SMART FINANCIAL NCUA # 67927 BankRate Report View Year Chartered 1934 Employees 210 Primary Regulator Assets and Liabilities Assets $481.98 million Loans $263.62 million Deposits $439.76 million Equity Capital $34.65 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $1.11 million Real Estate Owned $263,000 Historic Data - December 2010 Assets $446.67 million Equity Capital $36.10 million Loan Loss Allowance $2.54 million Unbacked Noncurrent Loans $1.17 million Profit Margin - Quarterly Net Interest Margin 6.86% Return on Assets 0.57% Return on Equity 7.87% Interest Income $19.84 million Non-Interest Income $13.99 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 Smart Financial Credit Union had $1.37 million in non-current loans and owned real-estate with $37.12 million in equity and loan loss allowances on hand to cover it. This gives Smart Financial Credit Union a Texas Ratio of 3.69% 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 Smart Financial Credit Union held steady from 3.03% as of December 31, 2010 to 3.69% as of December 31, 2011, resulting in a negative change of 21.71%. This indicates that the balance sheet and financial strength for Smart Financial Credit Union has held steady in recent periods. Deposit Growth In the past year, Smart Financial Credit Union has increased its total deposits by $35.33 million, resulting in 8.74% 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 Smart Financial 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. Smart Financial Credit Union has $481.98 million in assets with $37.12 million in equity, resulting in a capitalization level of 7.70%, which is below average.

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