A+ CU (ID)

A+ CU (ID) is headquartered in Idaho Falls and is the 32^nd largest credit union in the state of Idaho. It is also the 3,888^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 6 employees and 3,052 members. A+ CU (ID) has a 3-star health rating.

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Data for Q4 2011

Institution Statistics A+ NCUA # 82520 BankRate Report View Year Chartered 1955 Employees 6 Primary Regulator Assets and Liabilities Assets $15.92 million Loans $12.86 million Deposits $14.51 million Equity Capital $1.28 million Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $137,000 Historic Data - December 2010 Assets $17.55 million Equity Capital $1.28 million Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $77,000 Profit Margin - Quarterly Net Interest Margin 5.71% Return on Assets 0.38% Return on Equity 4.76% Interest Income $762,000 Non-Interest Income $138,000

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 A+ CU (ID) had $137,000 in non-current loans and owned real-estate with $1.33 million in equity and loan loss allowances on hand to cover it. This gives A+ CU (ID) a Texas Ratio of 10.28% 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+ CU (ID) held steady from 5.96% as of December 31, 2010 to 10.28% as of December 31, 2011, resulting in a negative change of 72.45%. This indicates that the balance sheet and financial strength for A+ CU (ID) has held steady in recent periods. Deposit Growth In the past year, A+ CU (ID) has decreased its total deposits by -$1.68 million, resulting in -10.4% 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+ CU (ID) has shown is poor. 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+ CU (ID) has $15.92 million in assets with $1.33 million in equity, resulting in a capitalization level of 8.37%, which is average.

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