121 Financial Credit Union

121 Financial Credit Union is headquartered in JACKSONVILLE and is the 25^th largest credit union in the state of Florida. It is also the 466^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 132 employees and 36,172 members. 121 Financial Credit Union's money market rates are 14% higher than the national average, and it has a 3-star health rating.

121 Financial Credit Union Routing Number: 263079043

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121 Financial Credit Union Money Market Rates

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Data for Q4 2011

Institution Statistics 121 FINANCIAL NCUA # 61605 BankRate Report View Year Chartered 1935 Employees 132 Primary Regulator Assets and Liabilities Assets $420.19 million Loans $243.67 million Deposits $374.13 million Equity Capital $42.67 million Loan Loss Allowance $7.42 million Unbacked Noncurrent Loans $6.45 million Real Estate Owned $1.21 million Historic Data - December 2010 Assets $426.78 million Equity Capital $38.85 million Loan Loss Allowance $9.71 million Unbacked Noncurrent Loans $5.58 million Real Estate Owned $698,000 Profit Margin - Quarterly Net Interest Margin 6.55% Return on Assets 0.94% Return on Equity 9.21% Interest Income $18.11 million Non-Interest Income $6.58 million

Institution Health Overall Score: 3 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 121 Financial Credit Union had $7.67 million in non-current loans and owned real-estate with $50.08 million in equity and loan loss allowances on hand to cover it. This gives 121 Financial Credit Union a Texas Ratio of 15.31% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 121 Financial Credit Union held steady from 12.94% as of December 31, 2010 to 15.31% as of December 31, 2011, resulting in a negative change of 18.32%. This indicates that the balance sheet and financial strength for 121 Financial Credit Union has held steady in recent periods. Deposit Growth In the past year, 121 Financial Credit Union has decreased its total deposits by -$8.89 million, resulting in -2.32% 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 121 Financial 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. 121 Financial Credit Union has $420.19 million in assets with $50.08 million in equity, resulting in a capitalization level of 11.92%, which is above average.