Wichita Falls Teachers Credit Union

Wichita Falls Teachers Credit Union is headquartered in Wichita Falls and is the 143^rd largest credit union in the state of Texas. It is also the 1,942^nd largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 25 employees and 6,245 members. Wichita Falls Teachers Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

Wichita Falls Teachers Credit Union Checking Account Rates

Wichita Falls Teachers Credit Union Savings Account Rates

Wichita Falls Teachers Credit Union CD Rates

Data for Q4 2011

Institution Statistics WICHITA FALLS TEACHERS NCUA # 2112 BankRate Report View Year Chartered 1937 Employees 25 Primary Regulator Assets and Liabilities Assets $62.90 million Loans $28.75 million Deposits $55.71 million Equity Capital $7.00 million Loan Loss Allowance $258,000 Unbacked Noncurrent Loans $292,000 Historic Data - December 2010 Assets $63.57 million Equity Capital $6.74 million Loan Loss Allowance $246,000 Unbacked Noncurrent Loans $189,000 Profit Margin - Quarterly Net Interest Margin 7.07% Return on Assets 0.4% Return on Equity 3.57% Interest Income $2.66 million Non-Interest Income $843,000

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 Wichita Falls Teachers Credit Union had $292,000 in non-current loans and owned real-estate with $7.25 million in equity and loan loss allowances on hand to cover it. This gives Wichita Falls Teachers Credit Union a Texas Ratio of 4.03% 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 Wichita Falls Teachers Credit Union held steady from 2.70% as of December 31, 2010 to 4.03% as of December 31, 2011, resulting in a negative change of 48.90%. This indicates that the balance sheet and financial strength for Wichita Falls Teachers Credit Union has held steady in recent periods. Deposit Growth In the past year, Wichita Falls Teachers Credit Union has decreased its total deposits by $-791,000, resulting in -1.4% 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 Wichita Falls Teachers Credit Union has shown is below 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. Wichita Falls Teachers Credit Union has $62.9 million in assets with $7.25 million in equity, resulting in a capitalization level of 11.53%, which is above average.

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