A O Smith Employees Credit Union

A O Smith Employees Credit Union is headquartered in Tipp City and is the 286^th largest credit union in the state of Ohio. It is also the 5,723^rd largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 1 employees and 689 members. A O Smith Employees Credit Union's money market rates are 84% higher than the national average, and it boasts a 5-star health rating.

A O Smith Employees Credit Union Savings Account Rates

A O Smith Employees Credit Union Money Market Rates

A O Smith Employees Credit Union CD Rates

A O Smith Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics A O SMITH EMPLOYEES NCUA # 8343 BankRate Report View Year Chartered 1952 Employees 1 Primary Regulator Assets and Liabilities Assets $4.18 million Loans $1.58 million Deposits $3.71 million Equity Capital $467,000 Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $16,000 Historic Data - December 2010 Assets $4.24 million Equity Capital $487,000 Loan Loss Allowance $19,000 Unbacked Noncurrent Loans $10,000 Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets -0.48% Return on Equity -4.28% Interest Income $93,000 Non-Interest Income $10,000

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 O Smith Employees Credit Union had $16,000 in non-current loans and owned real-estate with $490,000 in equity and loan loss allowances on hand to cover it. This gives A O Smith Employees Credit Union a Texas Ratio of 3.27% 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 O Smith Employees Credit Union held steady from 1.98% as of December 31, 2010 to 3.27% as of December 31, 2011, resulting in a negative change of 65.22%. This indicates that the balance sheet and financial strength for A O Smith Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, A O Smith Employees Credit Union has decreased its total deposits by $-34,000, resulting in -0.91% 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 O Smith Employees Credit Union has shown is 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 O Smith Employees Credit Union has $4.18 million in assets with $490,000 in equity, resulting in a capitalization level of 11.72%, which is above average.

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