Trans Texas Southwest Credit Union

Trans Texas Southwest Credit Union is headquartered in SAN ANGELO and is the 201^st largest credit union in the state of Texas. It is also the 2,608^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 13 employees and 2,921 members. Trans Texas Southwest Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Trans Texas Southwest Credit Union Routing Number: 311387991

Trans Texas Southwest Credit Union Savings Account Rates

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Trans Texas Southwest Credit Union IRA Rates

Data for Q4 2011

Institution Statistics TRANS TEXAS SOUTHWEST NCUA # 67835 BankRate Report View Year Chartered 1954 Employees 13 Primary Regulator Assets and Liabilities Assets $37.69 million Loans $28.39 million Deposits $33.71 million Equity Capital $3.83 million Loan Loss Allowance $186,000 Unbacked Noncurrent Loans $384,000 Real Estate Owned $120,000 Historic Data - December 2010 Assets $36.52 million Equity Capital $3.55 million Loan Loss Allowance $175,000 Unbacked Noncurrent Loans $221,000 Profit Margin - Quarterly Net Interest Margin 5.36% Return on Assets 0.76% Return on Equity 7.46% Interest Income $1.96 million Non-Interest Income $206,000

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 Trans Texas Southwest Credit Union had $504,000 in non-current loans and owned real-estate with $4.02 million in equity and loan loss allowances on hand to cover it. This gives Trans Texas Southwest Credit Union a Texas Ratio of 12.54% 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 Trans Texas Southwest Credit Union increased slightly from 5.93% as of December 31, 2010 to 12.54% as of December 31, 2011, resulting in a negative change of 111.26%. This indicates that the balance sheet and financial strength for Trans Texas Southwest Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Trans Texas Southwest Credit Union has increased its total deposits by $891,000, resulting in 2.71% 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 Trans Texas Southwest 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. Trans Texas Southwest Credit Union has $37.69 million in assets with $4.02 million in equity, resulting in a capitalization level of 10.67%, which is above average.

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