Telco-Triad Community Credit Union

Telco-Triad Community Credit Union is headquartered in Sioux City and is the 21^st largest credit union in the state of Iowa. It is also the 1,739^th largest credit union in the nation. It was established in 1945 and as of December of 2011, it had grown to 41 employees and 16,767 members. Telco-Triad Community Credit Union has a 5-star health rating.

Telco-Triad Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics TELCO-TRIAD COMMUNITY NCUA # 63218 BankRate Report View Year Chartered 1945 Employees 41 Primary Regulator Assets and Liabilities Assets $74.99 million Loans $28.42 million Deposits $65.52 million Equity Capital $8.83 million Loan Loss Allowance $235,000 Unbacked Noncurrent Loans $449,000 Historic Data - December 2010 Assets $71.28 million Equity Capital $8.77 million Loan Loss Allowance $262,000 Unbacked Noncurrent Loans $538,000 Profit Margin - Quarterly Net Interest Margin 7.97% Return on Assets 0.11% Return on Equity 0.92% Interest Income $3.04 million Non-Interest Income $1.12 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 Telco-Triad Community Credit Union had $449,000 in non-current loans and owned real-estate with $9.06 million in equity and loan loss allowances on hand to cover it. This gives Telco-Triad Community Credit Union a Texas Ratio of 4.95% 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 Telco-Triad Community Credit Union decreased slightly from 5.96% as of December 31, 2010 to 4.95% as of December 31, 2011, resulting in a positive change of 16.86%.This indicates that the balance sheet and financial strength for Telco-Triad Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Telco-Triad Community Credit Union has increased its total deposits by $3.63 million, resulting in 5.87% 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 Telco-Triad Community 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. Telco-Triad Community Credit Union has $74.99 million in assets with $9.06 million in equity, resulting in a capitalization level of 12.09%, which is excellent.

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