Overview / Commentary
5744 Watauga Rd
Watauga, TX 76148

My Credit Union (TX) is headquartered in Watauga and is the 184th largest credit union in the state of Texas. It is also the 2,359th largest credit union in the nation. It was established in 1975 and as of September of 2018, it had grown to 23 employees and 7,346 members at 6 locations. My Credit Union (TX) has a C+ 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 - YTD0.07%
Return on Equity - YTD0.82%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$48.4MM$48.9MM
LoansQ3 2018vs Q3 2017$24.9MM$25.6MM
DepositsQ3 2018vs Q3 2017$43.3MM$43.8MM
Equity CapitalQ3 2018vs Q3 2017$4.0MM$4.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$118.00K$92.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$385.00K$206.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

My Credit Union (TX) Savings Account Rates

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

My Credit Union (TX) Checking Account Rates

0.15%$2.5k-Ultra Checking
0.10%$500-NOW Checking

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

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