Walton County Teachers Credit Union

Walton County Teachers Credit Union is headquartered in DEFUNIAK SPRING and is the 130^th largest credit union in the state of Florida. It is also the 4,010^st largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 8 employees and 3,240 members. Walton County Teachers Credit Union's money market rates are 14% higher than the national average, and it has a 4-star health rating.

Walton County Teachers Credit Union Savings Account Rates

Walton County Teachers Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics WALTON COUNTY TEACHERS NCUA # 14186 BankRate Report View Year Chartered 1961 Employees 8 Primary Regulator Assets and Liabilities Assets $14.77 million Loans $9.53 million Deposits $13.19 million Equity Capital $1.46 million Loan Loss Allowance $338,000 Unbacked Noncurrent Loans $162,000 Historic Data - December 2010 Assets $15.28 million Equity Capital $1.26 million Loan Loss Allowance $331,000 Unbacked Noncurrent Loans $220,000 Profit Margin - Quarterly Net Interest Margin 9.95% Return on Assets 1.35% Return on Equity 13.7% Interest Income $978,000 Non-Interest Income $425,000

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 Walton County Teachers Credit Union had $162,000 in non-current loans and owned real-estate with $1.8 million in equity and loan loss allowances on hand to cover it. This gives Walton County Teachers Credit Union a Texas Ratio of 9.01% 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 Walton County Teachers Credit Union decreased slightly from 13.84% as of December 31, 2010 to 9.01% as of December 31, 2011, resulting in a positive change of 34.88%.This indicates that the balance sheet and financial strength for Walton County Teachers Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Walton County Teachers Credit Union has decreased its total deposits by $-700,000, resulting in -5.04% 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 Walton County Teachers 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. Walton County Teachers Credit Union has $14.77 million in assets with $1.8 million in equity, resulting in a capitalization level of 12.17%, which is excellent.

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