South Texas Regional Credit Union
South Texas Regional Credit Union is headquartered in Laredo and is the 407th largest credit union in the state of Texas. It is also the 5,293rd largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 4 employees and 1,294 members. South Texas Regional Credit Union's CD rates are 39% higher than the national average, and it has a 4-star health rating.
See Rates for: Savings |
CD
South Texas Regional Credit Union Savings Account Rates
South Texas Regional Credit Union CD Rates
Rates updated: 5/26/2012
Data for Q4 2011
Institution Statistics
| SOUTH TEXAS REGIONAL | | NCUA # | 7024 | | BankRate Report | View | | Year Chartered | 1950 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.14 million | | Loans | $4.63 million | | Deposits | $5.53 million | | Equity Capital | $606,000 | | Loan Loss Allowance | $14,000 | | Unbacked Noncurrent Loans | $51,000 |
Historic Data - December 2010 | | Assets | $5.09 million | | Equity Capital | $637,000 | | Loan Loss Allowance | $1,000 | | Unbacked Noncurrent Loans | $59,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.66% | | Return on Assets | -0.49% | | Return on Equity | -4.95% | | Interest Income | $302,000 | | Non-Interest Income | $13,000 |
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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 South Texas Regional Credit Union had $51,000 in non-current loans and owned real-estate with $620,000 in equity and loan loss allowances on hand to cover it. This gives South Texas Regional Credit Union a Texas Ratio of 8.23% 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 South Texas Regional Credit Union held steady from 9.25% as of December 31, 2010 to 8.23% as of December 31, 2011, resulting in a positive change of 11.05%.This indicates that the balance sheet and financial strength for South Texas Regional Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, South Texas Regional Credit Union has increased its total deposits by $1.09 million, resulting in 24.46% 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 South Texas Regional 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. South Texas Regional Credit Union has $6.14 million in assets with $620,000 in equity, resulting in a capitalization level of 10.10%, which is above average. |
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