A M E Church Credit Union

A M E Church Credit Union is headquartered in Baton Rouge and is the 216^st largest credit union in the state of Louisiana. It is also the 7,190^th largest credit union in the nation. It was established in 1982 and as of December of 2011, it had grown to employees and 486 members. A M E Church Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics A M E CHURCH NCUA # 23899 BankRate Report View Year Chartered 1982 Employees 0 Primary Regulator Assets and Liabilities Assets $107,000 Loans $68,000 Deposits $95,000 Equity Capital $12,000 Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $102,000 Equity Capital $10,000 Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 8.82% Return on Assets 1.87% Return on Equity 16.67% Interest Income $6,000 Non-Interest Income $2,000

Institution Health Overall Score: 5 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 M E Church Credit Union had $1,000 in non-current loans and owned real-estate with $20,000 in equity and loan loss allowances on hand to cover it. This gives A M E Church Credit Union a Texas Ratio of 5.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for A M E Church Credit Union decreased significantly from 22.22% as of December 31, 2010 to 5.00% as of December 31, 2011, resulting in a positive change of 77.50%.This indicates that the balance sheet and financial strength for A M E Church Credit Union has improved significantly in recent periods. Deposit Growth In the past year, A M E Church Credit Union has increased its total deposits by $3,000, resulting in 3.26% 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 M E Church Credit Union 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 M E Church Credit Union has $107,000 in assets with $20,000 in equity, resulting in a capitalization level of 18.69%, which is excellent.

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