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P.O. Box 760746
San Antonio, TX 78245

Texas Workforce Credit Union is headquartered in San Antonio and is the 355th largest credit union in the state of Texas. It is also the 4,531st largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 4 employees and 1,169 members. Texas Workforce Credit Union's savings rates are 27% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

Must be an employee or retiree of the Texas Workforce Commission. Also open to those who live, work, worship or attend school within a 10 mile radius of the credit union office. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Texas Workforce Credit Union has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Texas Workforce Credit Union had $166,000 in non-current loans and owned real-estate with $1.06 million in equity and loan loss allowances on hand to cover it. This gives Texas Workforce Credit Union a Texas Ratio of 15.59% 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 increased slightly from 6.06% as of March 31, 2013 to 15.59% as of March 31, 2014, resulting in a negative change of 157.18%. This indicates that the balance sheet and financial strength for Texas Workforce Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Texas Workforce Credit Union has decreased its total deposits by $-127,000, resulting in -1.46% 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 average.



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 $9.55 million in assets with $1.06 million in equity, resulting in a capitalization level of 11.16%, which is excellent.

Institution Statistics

NCUA #61267
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$9.55 million
Loans$7.41 million
Deposits$8.55 million
Equity Capital$931,000
Loan Loss Allowance$134,000
Unbacked Noncurrent Loans$166,000
Real Estate Owned$0
Historic Data - March 2013
Assets$9.62 million
Equity Capital$908,000
Loan Loss Allowance$115,000
Unbacked Noncurrent Loans$166,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.67%
Return on Equity6.87%
Interest Income$111,000
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Texas Workforce Credit Union Savings Account Rates

0.66%$10k-Regular Shares
0.66%$10k-Special Savings

Texas Workforce Credit Union CD Rates

1.51%$10k-36 Month CD
1.26%$5k-24 Month CD
1.01%$5k-18 Month CD
0.75%$1k-12 Month CD

Texas Workforce Credit Union Locations
Branch Office4801 NW Loop 410 Ste 100San Antonio, TX 78229