Thd-6 Credit Union

Thd-6 Credit Union is headquartered in ODESSA and is the 456^th largest credit union in the state of Texas. It is also the 5,881^st largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 2 employees and 662 members. Thd-6 Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics THD-6 NCUA # 61312 BankRate Report View Year Chartered 1954 Employees 2 Primary Regulator Assets and Liabilities Assets $3.54 million Loans $2.55 million Deposits $3.04 million Equity Capital $498,000 Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $8,000 Historic Data - December 2010 Assets $3.46 million Equity Capital $484,000 Loan Loss Allowance $33,000 Unbacked Noncurrent Loans $40,000 Profit Margin - Quarterly Net Interest Margin 6.57% Return on Assets 0.4% Return on Equity 2.81% Interest Income $182,000 Non-Interest Income $4,000

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, 2011 Thd-6 Credit Union had $8,000 in non-current loans and owned real-estate with $521,000 in equity and loan loss allowances on hand to cover it. This gives Thd-6 Credit Union a Texas Ratio of 1.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Thd-6 Credit Union decreased significantly from 7.74% as of December 31, 2010 to 1.54% as of December 31, 2011, resulting in a positive change of 80.15%.This indicates that the balance sheet and financial strength for Thd-6 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Thd-6 Credit Union has increased its total deposits by $65,000, resulting in 2.19% 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 Thd-6 Credit Union has shown is above 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. Thd-6 Credit Union has $3.54 million in assets with $521,000 in equity, resulting in a capitalization level of 14.71%, which is excellent.

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