Access Federal Credit Union

Access Federal Credit Union is headquartered in CLINTON and is the 59^th largest credit union in the state of New York. It is also the 1,205^th largest credit union in the nation. It was established in 1947 and as of September of 2011, it had grown to 40 employees and 20,018 members. Access Federal Credit Union has a 4-star health rating.

Access Federal Credit Union Routing Number: 221379895

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Data for Q3 2011

Institution Statistics ACCESS NCUA # 5579 BankRate Report View Year Established 1947 Employees 40 Primary Regulator Assets and Liabilities Assets $127.13 million Loans $74.98 million Deposits $116.75 million Equity Capital $9.24 million Loan Loss Allowance $625,000 Unbacked Noncurrent Loans $874,000 Historic Data - September 2010 Assets $117.32 million Equity Capital $8.85 million Loan Loss Allowance $627,000 Unbacked Noncurrent Loans $1.12 million Real Estate Owned $94,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.23% Return on Equity 3.19% Interest Income $3.72 million Non-Interest Income $1.35 million

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 September 30, 2011 Access Federal Credit Union had $874,000 in non-current loans and owned real-estate with $9.87 million in equity and loan loss allowances on hand to cover it. This gives Access Federal Credit Union a Texas Ratio of 8.86% 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 Access Federal Credit Union decreased slightly from 12.84% as of September 30, 2010 to 8.86% as of September 30, 2011, resulting in a positive change of 31.02%.This indicates that the balance sheet and financial strength for Access Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Access Federal Credit Union has increased its total deposits by $8.74 million, resulting in 8.1% 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 Access Federal 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. Access Federal Credit Union has $127.13 million in assets with $9.87 million in equity, resulting in a capitalization level of 7.76%, which is below average.

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