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Overview / Commentary
8384 N Belt Line Rd
Irving, TX 75063

Your Community CU is headquartered in Irving and is the 86th largest credit union in the state of Texas. It is also the 1,013st largest credit union in the nation. It was established in 1965 and as of December of 2013, it had grown to 35 employees and 11,745 members. Your Community CU's money market rates are 14% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

If you live, work, worship or attend school within 10 miles of any of our branches, you can join. It’s that simple! We also offer membership through numerous companies around the DFW and Houston areas. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Your Community CU had $464,000 in non-current loans and owned real-estate with $11.22 million in equity and loan loss allowances on hand to cover it. This gives Your Community CU a Texas Ratio of 4.13% 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 dramatically from 6.70% as of December 31, 2012 to 4.13% as of December 31, 2013, resulting in a positive change of 38.29%.This indicates that the balance sheet and financial strength for Your Community CU has improved dramatically in recent periods.

Deposit Growth


In the past year, Your Community CU has increased its total deposits by $18.33 million, resulting in 13.12% 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 excellent.



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 $174.08 million in assets with $11.22 million in equity, resulting in a capitalization level of 6.45%, which is below average.

Institution Statistics

NCUA #68606
Year Chartered1965
Primary Regulator
Assets and Liabilities
Assets$174.08 million
Loans$102.91 million
Deposits$158.04 million
Equity Capital$10.84 million
Loan Loss Allowance$387,000
Unbacked Noncurrent Loans$464,000
Real Estate Owned$0
Historic Data - December 2012
Assets$163.09 million
Equity Capital$13.39 million
Loan Loss Allowance$556,000
Unbacked Noncurrent Loans$464,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.4%
Return on Assets0.11%
Return on Equity1.78%
Interest Income$4.72 million

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Your Community CU Savings Account Rates

0.25%$100-IRA Savings
0.25%$100-Roth IRA Savings
0.25%$100-CESA Savings
0.05%$5k-Regular Savings
0.05%$5k-Secondary Savings
0.05%$5k-Escrow Savings

Your Community CU Money Market Rates

0.50%$500k-Money Market

Your Community CU Checking Account Rates

0.03%$1k-Choice Checking

Your Community CU CD Rates

0.70%$250k-24 Month CD
0.65%$250k-12 Month CD
0.60%$250k-6 Month CD
0.45%$250k-3 Month CD

Your Community CU IRA Rates

0.70%$250k-24 Month IRA
0.65%$250k-12 Month IRA
0.60%$250k-6 Month IRA
0.45%$250k-3 Month IRA

Your Community CU Locations
Branch Office9143 Boulevard 26 Suite 660North Richland Hills, TX 76180
Branch Office22560 Tomball Pkwy Ste 100Houston, TX 77070-1531
Branch Office2101 Valwood PkwyFarmers Branch, TX 75234-8816
Branch Office8384 N Belt Line RdIrving, TX 75063-6006