Texas Credit Union

Texas Credit Union is headquartered in Dallas and is the 130^th largest credit union in the state of Texas. It is also the 1,763^rd largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 34 employees and 12,030 members. Texas Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics TEXAS NCUA # 5497 BankRate Report View Year Chartered 1947 Employees 34 Primary Regulator Assets and Liabilities Assets $73.74 million Loans $30.36 million Deposits $66.85 million Equity Capital $5.85 million Loan Loss Allowance $113,000 Unbacked Noncurrent Loans $324,000 Historic Data - December 2010 Assets $71.48 million Equity Capital $6.04 million Loan Loss Allowance $146,000 Unbacked Noncurrent Loans $222,000 Profit Margin - Quarterly Net Interest Margin 6.42% Return on Assets -0.29% Return on Equity -3.66% Interest Income $2.79 million Non-Interest Income $1.47 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 Texas Credit Union had $324,000 in non-current loans and owned real-estate with $5.96 million in equity and loan loss allowances on hand to cover it. This gives Texas Credit Union a Texas Ratio of 5.44% 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 Credit Union held steady from 3.59% as of December 31, 2010 to 5.44% as of December 31, 2011, resulting in a negative change of 51.43%. This indicates that the balance sheet and financial strength for Texas Credit Union has held steady in recent periods. Deposit Growth In the past year, Texas Credit Union has increased its total deposits by $2.47 million, resulting in 3.84% 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 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 Credit Union has $73.74 million in assets with $5.96 million in equity, resulting in a capitalization level of 8.08%, which is average.

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