Texas Associations Of Professionals Credit Union

Texas Associations Of Professionals Credit Union is headquartered in SAN ANTONIO and is the 241^st largest credit union in the state of Texas. It is also the 3,242^nd largest credit union in the nation. It was established in 1978 and as of December of 2011, it had grown to 12 employees and 2,686 members. Texas Associations Of Professionals Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics TEXAS ASSOCIATIONS OF PROFESSIONALS NCUA # 23184 BankRate Report View Year Chartered 1978 Employees 12 Primary Regulator Assets and Liabilities Assets $24.49 million Loans $22.30 million Deposits $21.14 million Equity Capital $1.90 million Loan Loss Allowance $208,000 Unbacked Noncurrent Loans $436,000 Real Estate Owned $393,000 Historic Data - December 2010 Assets $21.75 million Equity Capital $1.82 million Loan Loss Allowance $205,000 Unbacked Noncurrent Loans $875,000 Real Estate Owned $246,000 Profit Margin - Quarterly Net Interest Margin 5.71% Return on Assets 0.34% Return on Equity 4.37% Interest Income $1.56 million Non-Interest Income $31,000

Institution Health Overall Score: 3 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 Texas Associations Of Professionals Credit Union had $829,000 in non-current loans and owned real-estate with $2.11 million in equity and loan loss allowances on hand to cover it. This gives Texas Associations Of Professionals Credit Union a Texas Ratio of 39.31% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Texas Associations Of Professionals Credit Union decreased slightly from 55.47% as of December 31, 2010 to 39.31% as of December 31, 2011, resulting in a positive change of 29.13%.This indicates that the balance sheet and financial strength for Texas Associations Of Professionals Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Texas Associations Of Professionals Credit Union has increased its total deposits by $1.3 million, resulting in 6.58% 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 Texas Associations Of Professionals 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. Texas Associations Of Professionals Credit Union has $24.49 million in assets with $2.11 million in equity, resulting in a capitalization level of 8.61%, which is average.

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