Advantage Federal Credit Union

Advantage Federal Credit Union is headquartered in Rochester and is the 44^th largest credit union in the state of New York. It is also the 924^th largest credit union in the nation. It was established in 1975 and as of December of 2012, it had grown to 68 employees and 21,405 members. Advantage Federal Credit Union has a 5-star health rating.

Advantage Federal Credit Union Routing Number: 222382292

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Data for Q4 2012

Institution Statistics ADVANTAGE NCUA # 24181 BankRate Report View Year Chartered 1975 Employees 68 Primary Regulator Assets and Liabilities Assets $191.07 million Loans $147.05 million Deposits $165.31 million Equity Capital $20.23 million Loan Loss Allowance $544,000 Unbacked Noncurrent Loans $509,000 Historic Data - December 2011 Assets $165.40 million Equity Capital $18.65 million Loan Loss Allowance $551,000 Unbacked Noncurrent Loans $467,000 Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 0.87% Return on Equity 8.23% Interest Income $7.91 million Non-Interest Income $3.77 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, 2012 Advantage Federal Credit Union had $509,000 in non-current loans and owned real-estate with $20.78 million in equity and loan loss allowances on hand to cover it. This gives Advantage Federal Credit Union a Texas Ratio of 2.45% 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 2.43% as of December 31, 2011 to 2.45% as of December 31, 2012, resulting in a negative change of 0.70%. 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 $20.75 million, resulting in 14.35% 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 $191.07 million in assets with $20.78 million in equity, resulting in a capitalization level of 10.87%, which is above average.

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