Texas Bay Area Credit Union

Texas Bay Area Credit Union is headquartered in Houston and is the 60^th largest credit union in the state of Texas. It is also the 699^th largest credit union in the nation. It was established in 1936 and as of September of 2011, it had grown to 83 employees and 29,072 members. Texas Bay Area Credit Union has a 5-star health rating.

Texas Bay Area Credit Union Routing Number: 313082935

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Data for Q3 2011

Institution Statistics TEXAS BAY AREA NCUA # 67465 BankRate Report View Year Established 1936 Employees 83 Primary Regulator Assets and Liabilities Assets $262.23 million Loans $162.89 million Deposits $212.02 million Equity Capital $27.27 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $950,000 Historic Data - September 2010 Assets $240.38 million Equity Capital $24.69 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $1.03 million Profit Margin - Quarterly Net Interest Margin 5.18% Return on Assets 0.72% Return on Equity 6.94% Interest Income $9.16 million Non-Interest Income $4.58 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 September 30, 2011 Texas Bay Area Credit Union had $950,000 in non-current loans and owned real-estate with $28.88 million in equity and loan loss allowances on hand to cover it. This gives Texas Bay Area Credit Union a Texas Ratio of 3.29% 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 Texas Bay Area Credit Union decreased slightly from 3.93% as of September 30, 2010 to 3.29% as of September 30, 2011, resulting in a positive change of 16.34%.This indicates that the balance sheet and financial strength for Texas Bay Area Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Texas Bay Area Credit Union has increased its total deposits by $4.98 million, resulting in 2.41% 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 Bay Area Credit Union has shown is above average. 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 Bay Area Credit Union has $262.23 million in assets with $28.88 million in equity, resulting in a capitalization level of 11.01%, which is above average.

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