T & P Longview Credit Union

T & P Longview Credit Union is headquartered in Longview and is the 348^th largest credit union in the state of Texas. It is also the 4,561^st largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 2 employees and 1,157 members. T & P Longview Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics T & P LONGVIEW NCUA # 6687 BankRate Report View Year Chartered 1950 Employees 2 Primary Regulator Assets and Liabilities Assets $10.36 million Loans $7.63 million Deposits $8.66 million Equity Capital $1.66 million Loan Loss Allowance $52,000 Unbacked Noncurrent Loans $67,000 Historic Data - December 2010 Assets $9.74 million Equity Capital $1.56 million Loan Loss Allowance $57,000 Unbacked Noncurrent Loans $206,000 Profit Margin - Quarterly Net Interest Margin 5.95% Return on Assets 0.91% Return on Equity 5.68% Interest Income $528,000 Non-Interest Income $14,000

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 T & P Longview Credit Union had $67,000 in non-current loans and owned real-estate with $1.71 million in equity and loan loss allowances on hand to cover it. This gives T & P Longview Credit Union a Texas Ratio of 3.93% 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 Longview Credit Union decreased significantly from 12.73% as of December 31, 2010 to 3.93% as of December 31, 2011, resulting in a positive change of 69.17%.This indicates that the balance sheet and financial strength for T & P Longview Credit Union has improved significantly in recent periods. Deposit Growth In the past year, T & P Longview Credit Union has increased its total deposits by $513,000, resulting in 6.29% 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 Longview 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. T & P Longview Credit Union has $10.36 million in assets with $1.71 million in equity, resulting in a capitalization level of 16.48%, which is excellent.

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