Texas Dow Employees Credit Union

Texas Dow Employees Credit Union is headquartered in Lake Jackson and is the 5^th largest credit union in the state of Texas. It is also the 70^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 497 employees and 163,802 members. Texas Dow Employees Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics TEXAS DOW EMPLOYEES NCUA # 60705 BankRate Report View Year Chartered 1954 Employees 497 Primary Regulator Assets and Liabilities Assets $1.84 billion Loans $1.54 billion Deposits $1.51 billion Equity Capital $145.55 million Loan Loss Allowance $30.89 million Unbacked Noncurrent Loans $37.28 million Real Estate Owned $1.99 million Historic Data - December 2010 Assets $1.59 billion Equity Capital $126.73 million Loan Loss Allowance $24.27 million Unbacked Noncurrent Loans $37.34 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 5.45% Return on Assets 0.72% Return on Equity 9.09% Interest Income $98.05 million Non-Interest Income $33.44 million

Institution Health Overall Score: 4 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 Dow Employees Credit Union had $39.27 million in non-current loans and owned real-estate with $176.44 million in equity and loan loss allowances on hand to cover it. This gives Texas Dow Employees Credit Union a Texas Ratio of 22.26% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Texas Dow Employees Credit Union held steady from 25.48% as of December 31, 2010 to 22.26% as of December 31, 2011, resulting in a positive change of 12.64%.This indicates that the balance sheet and financial strength for Texas Dow Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Texas Dow Employees Credit Union has increased its total deposits by $306.53 million, resulting in 25.5% 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 Dow Employees 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 Dow Employees Credit Union has $1.84 billion in assets with $176.44 million in equity, resulting in a capitalization level of 9.58%, which is average.