Aberdeen Proving Ground Credit Union

Aberdeen Proving Ground Credit Union is headquartered in Aberdeen and is the 6^th largest credit union in the state of Maryland. It is also the 213^st largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 252 employees and 94,249 members. Aberdeen Proving Ground Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics ABERDEEN PROVING GROUND NCUA # 2540 BankRate Report View Year Chartered 1938 Employees 252 Primary Regulator Assets and Liabilities Assets $876.02 million Loans $592.50 million Deposits $786.62 million Equity Capital $68.77 million Loan Loss Allowance $4.81 million Unbacked Noncurrent Loans $4.67 million Real Estate Owned $414,000 Historic Data - December 2010 Assets $814.29 million Equity Capital $73.23 million Loan Loss Allowance $4.71 million Unbacked Noncurrent Loans $3.53 million Real Estate Owned $348,000 Profit Margin - Quarterly Net Interest Margin 4.97% Return on Assets 0.32% Return on Equity 4.11% Interest Income $37.28 million Non-Interest Income $11.10 million

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 Aberdeen Proving Ground Credit Union had $5.08 million in non-current loans and owned real-estate with $73.58 million in equity and loan loss allowances on hand to cover it. This gives Aberdeen Proving Ground Credit Union a Texas Ratio of 6.91% 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 Aberdeen Proving Ground Credit Union held steady from 4.97% as of December 31, 2010 to 6.91% as of December 31, 2011, resulting in a negative change of 38.98%. This indicates that the balance sheet and financial strength for Aberdeen Proving Ground Credit Union has held steady in recent periods. Deposit Growth In the past year, Aberdeen Proving Ground Credit Union has increased its total deposits by $56.1 million, resulting in 7.68% 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 Aberdeen Proving Ground Credit Union has shown is excellent. 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. Aberdeen Proving Ground Credit Union has $876.02 million in assets with $73.58 million in equity, resulting in a capitalization level of 8.40%, which is average.

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