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Overview / Commentary
5744 Watauga Rd
Watauga, TX 76148

My Credit Union (TX) is headquartered in Watauga and is the 185th largest credit union in the state of Texas. It is also the 2,383rd largest credit union in the nation. It was established in 1975 and as of June of 2016, it had grown to 23 employees and 7,232 members at 6 locations. My Credit Union (TX) has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Grayson, Van Zandt, Kaufman, Tarrant and Wood Counties in Texas. Membership is also open to employees of the Cities of Bedford, Haltom City, Crowley, Keller, North Richland Hills, Kennedale, and Roanoke and to over 70 other employer groups.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. My Credit Union (TX) has a low asset base.

Health Grade Components

NCUA #68545
Year Chartered1975
Primary Regulator
Profit Margin
Return on Assets - YTD-0.14%
Return on Equity - YTD-1.66%
Annual Interest Income$785.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$47.3MM$44.0MM
LoansQ2 2016vs Q2 2015$25.5MM$23.0MM
DepositsQ2 2016vs Q2 2015$42.9MM$39.6MM
Equity CapitalQ2 2016vs Q2 2015$3.8MM$3.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$96.00K$132.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$315.00K$348.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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My Credit Union (TX) Savings Account Rates

0.20%*$10k*-Share Savings Account
OTHER TIERS: 0.05% $50 - $500 | 0.10% $500 - $5k | 0.15% $5k - $10k
0.10%--Christmas Club Account
0.10%--Vacation Club Account
0.10%--Tax Savings Account
0.10%--Escrow Savings Account
0.10%--Youth Club Account (kids 16 & Under)
0.10%$500-IRA Savings Account

My Credit Union (TX) Checking Account Rates

0.15%$2,500-Ultra Checking Account
0.10%$500-NOW Checking Account

My Credit Union (TX) CD Rates

0.40%$2k-24 Month CD
0.30%$2k-18 Month CD
0.20%$2k-12 Month CD
0.10%$2k-6 Month CD

My Credit Union (TX) Locations
Branch Office501 Houston StWills Point, TX 75169
Branch Office415 W Broad StMineola, TX 75773
Branch Office408 E State Highway 243Canton, TX 75103
Branch Office301 E Main StCrowley, TX 76036
Branch Office5744 Watauga RdWatauga, TX 76148
Branch Office1014 N Industrial BlvdEuless, TX 76039