Texas Trust Credit Union

Texas Trust Credit Union is headquartered in MANSFIELD and is the 20^th largest credit union in the state of Texas. It is also the 275^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 185 employees and 51,011 members. Texas Trust Credit Union has a 3-star health rating.

Texas Trust Credit Union Routing Number: 311979875

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Data for Q4 2011

Institution Statistics TEXAS TRUST NCUA # 68434 BankRate Report View Year Chartered 1936 Employees 185 Primary Regulator Assets and Liabilities Assets $726.28 million Loans $402.58 million Deposits $588.00 million Equity Capital $89.04 million Loan Loss Allowance $16.11 million Unbacked Noncurrent Loans $25.69 million Real Estate Owned $7.90 million Historic Data - December 2010 Assets $693.51 million Equity Capital $85.43 million Loan Loss Allowance $13.05 million Unbacked Noncurrent Loans $8.96 million Real Estate Owned $7.49 million Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 0.2% Return on Equity 1.63% Interest Income $26.23 million Non-Interest Income $8.90 million

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 Trust Credit Union had $33.59 million in non-current loans and owned real-estate with $105.14 million in equity and loan loss allowances on hand to cover it. This gives Texas Trust Credit Union a Texas Ratio of 31.94% 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 Trust Credit Union increased slightly from 16.70% as of December 31, 2010 to 31.94% as of December 31, 2011, resulting in a negative change of 91.23%. This indicates that the balance sheet and financial strength for Texas Trust Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Texas Trust Credit Union has decreased its total deposits by -$11.72 million, resulting in -1.95% 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 Trust Credit Union has shown is below 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 Trust Credit Union has $726.28 million in assets with $105.14 million in equity, resulting in a capitalization level of 14.48%, which is excellent.

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