Advantage Federal Credit Union

Advantage Federal Credit Union is headquartered in Rochester and is the 47^th largest credit union in the state of New York. It is also the 1,001^st largest credit union in the nation. It was established in 1975 and as of September of 2011, it had grown to 57 employees and 18,676 members. Advantage Federal Credit Union has a 5-star health rating.

Advantage Federal Credit Union Routing Number: 222382292

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Data for Q3 2011

Institution Statistics ADVANTAGE NCUA # 24181 BankRate Report View Year Established 1975 Employees 57 Primary Regulator Assets and Liabilities Assets $160.47 million Loans $122.15 million Deposits $139.20 million Equity Capital $18.26 million Loan Loss Allowance $519,000 Unbacked Noncurrent Loans $249,000 Historic Data - September 2010 Assets $143.17 million Equity Capital $15.68 million Loan Loss Allowance $646,000 Unbacked Noncurrent Loans $216,000 Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets 1.51% Return on Equity 13.3% Interest Income $5.72 million Non-Interest Income $2.62 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 September 30, 2011 Advantage Federal Credit Union had $249,000 in non-current loans and owned real-estate with $18.78 million in equity and loan loss allowances on hand to cover it. This gives Advantage Federal Credit Union a Texas Ratio of 1.33% 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 Advantage Federal Credit Union held steady from 1.32% as of September 30, 2010 to 1.33% as of September 30, 2011, resulting in a negative change of 0.22%. This indicates that the balance sheet and financial strength for Advantage Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Advantage Federal Credit Union has increased its total deposits by $13.94 million, resulting in 11.13% 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 Advantage 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. Advantage Federal Credit Union has $160.46 million in assets with $18.78 million in equity, resulting in a capitalization level of 11.70%, which is above average.

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