T & P Credit Union

T & P Credit Union is headquartered in BIG SPRING and is the 408^th largest credit union in the state of Texas. It is also the 5,305^th largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 4 employees and 1,389 members. T & P Credit Union has a 4-star health rating.

T & P Credit Union Checking Account Rates

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T & P Credit Union CD Rates

Data for Q4 2011

Institution Statistics T & P NCUA # 5493 BankRate Report View Year Chartered 1947 Employees 4 Primary Regulator Assets and Liabilities Assets $6.07 million Loans $3.04 million Deposits $5.39 million Equity Capital $619,000 Loan Loss Allowance $71,000 Unbacked Noncurrent Loans $9,000 Historic Data - December 2010 Assets $6.80 million Equity Capital $592,000 Loan Loss Allowance $73,000 Unbacked Noncurrent Loans $40,000 Profit Margin - Quarterly Net Interest Margin 10.16% Return on Assets 0.43% Return on Equity 4.2% Interest Income $353,000 Non-Interest Income $150,000

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 T & P Credit Union had $9,000 in non-current loans and owned real-estate with $690,000 in equity and loan loss allowances on hand to cover it. This gives T & P Credit Union a Texas Ratio of 1.30% 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 T & P Credit Union decreased significantly from 6.02% as of December 31, 2010 to 1.30% as of December 31, 2011, resulting in a positive change of 78.32%.This indicates that the balance sheet and financial strength for T & P Credit Union has improved significantly in recent periods. Deposit Growth In the past year, T & P Credit Union has decreased its total deposits by $-714,000, resulting in -11.7% 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 T & P Credit Union has shown is poor. 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. T & P Credit Union has $6.07 million in assets with $690,000 in equity, resulting in a capitalization level of 11.37%, which is above average.

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