Advanced Financial Credit Union

Advanced Financial Credit Union is headquartered in NEW PROVIDENCE and is the 33^rd largest credit union in the state of New Jersey. It is also the 1,754^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 21 employees and 9,280 members. Advanced Financial Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics ADVANCED FINANCIAL NCUA # 16785 BankRate Report View Year Chartered 1965 Employees 21 Primary Regulator Assets and Liabilities Assets $74.27 million Loans $38.78 million Deposits $68.24 million Equity Capital $5.59 million Loan Loss Allowance $590,000 Unbacked Noncurrent Loans $1.92 million Historic Data - December 2010 Assets $70.55 million Equity Capital $5.38 million Loan Loss Allowance $668,000 Unbacked Noncurrent Loans $2.32 million Profit Margin - Quarterly Net Interest Margin 5.54% Return on Assets 0.25% Return on Equity 3.36% Interest Income $3.03 million Non-Interest Income $631,000

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 Advanced Financial Credit Union had $1.92 million in non-current loans and owned real-estate with $6.18 million in equity and loan loss allowances on hand to cover it. This gives Advanced Financial Credit Union a Texas Ratio of 31.03% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Advanced Financial Credit Union decreased slightly from 38.29% as of December 31, 2010 to 31.03% as of December 31, 2011, resulting in a positive change of 18.97%.This indicates that the balance sheet and financial strength for Advanced Financial Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Advanced Financial Credit Union has increased its total deposits by $3.37 million, resulting in 5.2% 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 Advanced Financial 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. Advanced Financial Credit Union has $74.27 million in assets with $6.18 million in equity, resulting in a capitalization level of 8.32%, which is average.

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