Texas Health Credit Union

Texas Health Credit Union is headquartered in AUSTIN and is the 138^th largest credit union in the state of Texas. It is also the 1,901^st largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 16 employees and 5,787 members. Texas Health Credit Union's money market rates are 16% higher than the national average, and it has a 4-star health rating.

Texas Health Credit Union Routing Number: 314977340

Texas Health Credit Union Checking Account Rates

Texas Health Credit Union Savings Account Rates

Texas Health Credit Union Money Market Rates

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Texas Health Credit Union IRA Rates

Data for Q4 2011

Institution Statistics TEXAS HEALTH NCUA # 67452 BankRate Report View Year Chartered 1956 Employees 16 Primary Regulator Assets and Liabilities Assets $65.06 million Loans $45.78 million Deposits $58.86 million Equity Capital $5.65 million Loan Loss Allowance $638,000 Unbacked Noncurrent Loans $651,000 Historic Data - December 2010 Assets $59.68 million Equity Capital $5.09 million Loan Loss Allowance $579,000 Unbacked Noncurrent Loans $670,000 Profit Margin - Quarterly Net Interest Margin 6.02% Return on Assets 0.87% Return on Equity 10.05% Interest Income $2.94 million Non-Interest Income $450,000

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 Health Credit Union had $651,000 in non-current loans and owned real-estate with $6.29 million in equity and loan loss allowances on hand to cover it. This gives Texas Health Credit Union a Texas Ratio of 10.35% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Texas Health Credit Union held steady from 11.83% as of December 31, 2010 to 10.35% as of December 31, 2011, resulting in a positive change of 12.53%.This indicates that the balance sheet and financial strength for Texas Health Credit Union has held steady in recent periods. Deposit Growth In the past year, Texas Health Credit Union has increased its total deposits by $4.66 million, resulting in 8.6% 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 Health 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 Health Credit Union has $65.06 million in assets with $6.29 million in equity, resulting in a capitalization level of 9.67%, which is average.

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