A. B. & W. Emp. Credit Union Inc

A. B. & W. Emp. Credit Union Inc is headquartered in Alexandria and is the 76^th largest credit union in the state of Virginia. It is also the 3,055^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 8 employees and 4,931 members. A. B. & W. Emp. Credit Union Inc's CD rates are 11% higher than the national average, and it has a 4-star health rating.

A. B. & W. Emp. Credit Union Inc Checking Account Rates

A. B. & W. Emp. Credit Union Inc Savings Account Rates

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A. B. & W. Emp. Credit Union Inc IRA Rates

Data for Q4 2011

Institution Statistics A. B. & W. EMP. CREDIT UNION INC NCUA # 66972 BankRate Report View Year Chartered 1952 Employees 8 Primary Regulator Assets and Liabilities Assets $27.73 million Loans $19.76 million Deposits $22.76 million Equity Capital $4.57 million Loan Loss Allowance $453,000 Unbacked Noncurrent Loans $479,000 Historic Data - December 2010 Assets $26.81 million Equity Capital $4.29 million Loan Loss Allowance $388,000 Unbacked Noncurrent Loans $407,000 Profit Margin - Quarterly Net Interest Margin 7.96% Return on Assets 1.02% Return on Equity 6.19% Interest Income $1.70 million Non-Interest Income $490,000

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 A. B. & W. Emp. Credit Union Inc had $479,000 in non-current loans and owned real-estate with $5.03 million in equity and loan loss allowances on hand to cover it. This gives A. B. & W. Emp. Credit Union Inc a Texas Ratio of 9.53% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for A. B. & W. Emp. Credit Union Inc held steady from 8.70% as of December 31, 2010 to 9.53% as of December 31, 2011, resulting in a negative change of 9.54%. This indicates that the balance sheet and financial strength for A. B. & W. Emp. Credit Union Inc has held steady in recent periods. Deposit Growth In the past year, A. B. & W. Emp. Credit Union Inc has increased its total deposits by $413,000, resulting in 1.85% 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 A. B. & W. Emp. Credit Union Inc has shown is above 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. A. B. & W. Emp. Credit Union Inc has $27.73 million in assets with $5.03 million in equity, resulting in a capitalization level of 18.12%, which is excellent.

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