Your Community CU

8384 N Belt Line Road
Irving, TX 75063
(800) 388-7889
www.yccu.com

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Your Community CU is headquartered in IRVING and is the 86^th largest credit union in the state of Texas. It is also the 1,022^nd largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 40 employees and 12,376 members. Your Community CU has a 4-star health rating.

Special 6-Month CD Rate at Your Community Credit Union in Texas - Local Only - 8/29/2011

Your Community Credit Union has a nice CD special to celebrate its 45th year. Reader pearlbrown mentioned this special in the forum on August 21st when the credit union was advertising a 1.15% APY. Pe ...

Your Community Credit Union (TX) 1.15%APY 6-Month CD $25K Max (Forum) - 8/21/2011

In celebration of its 45th year, Your Community Credit Union in Texas is offering a 1.15% APY 6-mo CD on new money (ie: not currently on deposit). Minimum to open is $500, maximum = $25K. The CD is not listed on the cred

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See Rates for: Checking | Savings | Money Market | CD

Your Community CU Checking Account Rates

	Apy	Min	Max	Product
	0.02%	$1k	-	Choice Checking

Your Community CU Savings Account Rates

Apy	Min	Max	Product
0.30%	$100	-	IRA Savings
0.30%	$100	-	Roth IRA Savings
0.30%	$100	-	CESA Savings
0.05%	$5k	-	Tiered Savings

Your Community CU Money Market Rates

	Apy	Min	Max	Product
	0.40%	$500k	-	Money Market

Your Community CU CD Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month CD
1.40%	$500	-	48 Month CD
1.15%	$500	-	36 Month CD
0.90%	$500	-	24 Month CD
0.85%	$500	-	18 Month CD
0.65%	$500	-	12 Month CD
0.30%	$500	-	6 Month CD
0.15%	$500	-	3 Month CD

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

YOUR COMMUNITY
NCUA #	68606
BankRate Report	View
Year Chartered	1965
Employees	40
Primary Regulator
Assets and Liabilities
Assets	$157.09 million
Loans	$84.92 million
Deposits	$143.38 million
Equity Capital	$12.14 million
Loan Loss Allowance	$787,000
Unbacked Noncurrent Loans	$270,000
Real Estate Owned	$260,000
Historic Data - December 2010
Assets	$158.08 million
Equity Capital	$11.15 million
Loan Loss Allowance	$947,000
Unbacked Noncurrent Loans	$1.26 million
Real Estate Owned	$138,000
Profit Margin - Quarterly
Net Interest Margin	4.93%
Return on Assets	0.12%
Return on Equity	1.61%
Interest Income	$5.78 million
Non-Interest Income	$1.12 million

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 Your Community CU had $530,000 in non-current loans and owned real-estate with $12.92 million in equity and loan loss allowances on hand to cover it. This gives Your Community CU a Texas Ratio of 4.10% 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 Your Community CU decreased significantly from 11.55% as of December 31, 2010 to 4.10% as of December 31, 2011, resulting in a positive change of 64.51%.This indicates that the balance sheet and financial strength for Your Community CU has improved significantly in recent periods.
Deposit Growth
In the past year, Your Community CU has decreased its total deposits by -$2.4 million, resulting in -1.65% 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 Your Community CU 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. Your Community CU has $157.09 million in assets with $12.92 million in equity, resulting in a capitalization level of 8.23%, which is average.