Tribune Herald Credit Union

Tribune Herald Credit Union is headquartered in WACO and is the 521^st largest credit union in the state of Texas. It is also the 6,867^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to employees and 290 members. Tribune Herald Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics TRIBUNE HERALD NCUA # 2735 BankRate Report View Year Chartered 1938 Employees 0 Primary Regulator Assets and Liabilities Assets $645,000 Loans $446,000 Deposits $337,000 Equity Capital $307,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $30,000 Historic Data - December 2010 Assets $677,000 Equity Capital $305,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $25,000 Profit Margin - Quarterly Net Interest Margin 6.96% Return on Assets 0.16% Return on Equity 0.33% Interest Income $36,000

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 Tribune Herald Credit Union had $30,000 in non-current loans and owned real-estate with $314,000 in equity and loan loss allowances on hand to cover it. This gives Tribune Herald Credit Union a Texas Ratio of 9.55% 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 Tribune Herald Credit Union held steady from 8.06% as of December 31, 2010 to 9.55% as of December 31, 2011, resulting in a negative change of 18.47%. This indicates that the balance sheet and financial strength for Tribune Herald Credit Union has held steady in recent periods. Deposit Growth In the past year, Tribune Herald Credit Union has decreased its total deposits by $-34,000, resulting in -9.16% 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 Tribune Herald Credit Union has shown is poor. 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. Tribune Herald Credit Union has $645,000 in assets with $314,000 in equity, resulting in a capitalization level of 48.68%, which is excellent.

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