The Local Credit Union

The Local Credit Union is headquartered in Dallas and is the 268^th largest credit union in the state of Texas. It is also the 3,546^th largest credit union in the nation. It was established in 1977 and as of December of 2011, it had grown to 12 employees and 5,110 members. The Local Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

The Local Credit Union Checking Account Rates

The Local Credit Union Savings Account Rates

The Local Credit Union Money Market Rates

The Local Credit Union CD Rates

The Local Credit Union IRA Rates

Data for Q4 2011

Institution Statistics THE LOCAL NCUA # 22747 BankRate Report View Year Chartered 1977 Employees 12 Primary Regulator Assets and Liabilities Assets $20.10 million Loans $19.37 million Deposits $16.49 million Equity Capital $2.84 million Loan Loss Allowance $154,000 Unbacked Noncurrent Loans $619,000 Historic Data - December 2010 Assets $18.03 million Equity Capital $2.33 million Loan Loss Allowance $139,000 Unbacked Noncurrent Loans $648,000 Profit Margin - Quarterly Net Interest Margin 10.33% Return on Assets 2.53% Return on Equity 17.88% Interest Income $2.26 million Non-Interest Income $464,000

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 The Local Credit Union had $619,000 in non-current loans and owned real-estate with $3 million in equity and loan loss allowances on hand to cover it. This gives The Local Credit Union a Texas Ratio of 20.67% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Local Credit Union decreased slightly from 26.22% as of December 31, 2010 to 20.67% as of December 31, 2011, resulting in a positive change of 21.19%.This indicates that the balance sheet and financial strength for The Local Credit Union has improved slightly in recent periods. Deposit Growth In the past year, The Local Credit Union has increased its total deposits by $1.15 million, resulting in 7.52% 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 The Local 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. The Local Credit Union has $20.1 million in assets with $3 million in equity, resulting in a capitalization level of 14.90%, which is excellent.

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