Texas Workforce Credit Union

Texas Workforce Credit Union is headquartered in San Antonio and is the 357^th largest credit union in the state of Texas. It is also the 4,589^th largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 4 employees and 1,077 members. Texas Workforce Credit Union's savings rates are 46% higher than the national average, and it boasts a 5-star health rating.

Texas Workforce Credit Union Routing Number: 314088190

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Data for Q4 2012

Institution Statistics TEXAS WORKFORCE NCUA # 61267 BankRate Report View Year Chartered 1955 Employees 4 Primary Regulator Assets and Liabilities Assets $9.77 million Loans $7.14 million Deposits $8.87 million Equity Capital $889,000 Loan Loss Allowance $131,000 Unbacked Noncurrent Loans $102,000 Historic Data - December 2011 Assets $8.99 million Equity Capital $798,000 Loan Loss Allowance $146,000 Unbacked Noncurrent Loans $203,000 Profit Margin - Quarterly Net Interest Margin 6.85% Return on Assets 0.92% Return on Equity 10.12% Interest Income $505,000 Non-Interest Income $58,000

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, 2012 Texas Workforce Credit Union had $102,000 in non-current loans and owned real-estate with $1.02 million in equity and loan loss allowances on hand to cover it. This gives Texas Workforce Credit Union a Texas Ratio of 10.00% 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 Workforce Credit Union decreased significantly from 21.50% as of December 31, 2011 to 10.00% as of December 31, 2012, resulting in a positive change of 53.50%.This indicates that the balance sheet and financial strength for Texas Workforce Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Texas Workforce Credit Union has increased its total deposits by $724,000, resulting in 8.89% 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 Workforce 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 Workforce Credit Union has $9.77 million in assets with $1.02 million in equity, resulting in a capitalization level of 10.44%, which is above average.

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