Starr County Teachers Credit Union

Starr County Teachers Credit Union is headquartered in RIO GRANDE CITY and is the 253^rd largest credit union in the state of Texas. It is also the 3,361^st largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 10 employees and 5,728 members. Starr County Teachers Credit Union has a 5-star health rating.

Starr County Teachers Credit Union Checking Account Rates

Starr County Teachers Credit Union Savings Account Rates

Starr County Teachers Credit Union CD Rates

Data for Q4 2011

Institution Statistics STARR COUNTY TEACHERS NCUA # 18559 BankRate Report View Year Chartered 1968 Employees 10 Primary Regulator Assets and Liabilities Assets $22.69 million Loans $10.76 million Deposits $18.37 million Equity Capital $4.27 million Loan Loss Allowance $64,000 Unbacked Noncurrent Loans $160,000 Historic Data - December 2010 Assets $21.32 million Equity Capital $4.09 million Loan Loss Allowance $78,000 Unbacked Noncurrent Loans $185,000 Profit Margin - Quarterly Net Interest Margin 10.41% Return on Assets 0.81% Return on Equity 4.29% Interest Income $1.19 million Non-Interest Income $579,000

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 Starr County Teachers Credit Union had $160,000 in non-current loans and owned real-estate with $4.33 million in equity and loan loss allowances on hand to cover it. This gives Starr County Teachers 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 Starr County Teachers Credit Union decreased slightly from 4.44% as of December 31, 2010 to 3.69% as of December 31, 2011, resulting in a positive change of 16.91%.This indicates that the balance sheet and financial strength for Starr County Teachers Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Starr County Teachers Credit Union has increased its total deposits by $1.16 million, resulting in 6.73% 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 Starr County Teachers 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. Starr County Teachers Credit Union has $22.69 million in assets with $4.33 million in equity, resulting in a capitalization level of 19.10%, which is excellent.

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