AFL-CIO Employees Credit Union

AFL-CIO Employees Credit Union is headquartered in Landover and is the 43^rd largest credit union in the state of Maryland. It is also the 1,877^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 14 employees and 9,364 members. AFL-CIO Employees Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics AFL CIO EMPLOYEES NCUA # 7992 BankRate Report View Year Chartered 1952 Employees 14 Primary Regulator Assets and Liabilities Assets $66.76 million Loans $31.01 million Deposits $60.11 million Equity Capital $6.26 million Loan Loss Allowance $842,000 Unbacked Noncurrent Loans $1.09 million Historic Data - December 2010 Assets $73.39 million Equity Capital $6.06 million Loan Loss Allowance $1.00 million Unbacked Noncurrent Loans $1.17 million Profit Margin - Quarterly Net Interest Margin 7.7% Return on Assets 0.23% Return on Equity 2.48% Interest Income $2.88 million Non-Interest Income $1.36 million

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 AFL-CIO Employees Credit Union had $1.09 million in non-current loans and owned real-estate with $7.1 million in equity and loan loss allowances on hand to cover it. This gives AFL-CIO Employees Credit Union a Texas Ratio of 15.32% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for AFL-CIO Employees Credit Union held steady from 16.60% as of December 31, 2010 to 15.32% as of December 31, 2011, resulting in a positive change of 7.72%.This indicates that the balance sheet and financial strength for AFL-CIO Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, AFL-CIO Employees Credit Union has decreased its total deposits by -$6.86 million, resulting in -10.24% 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 AFL-CIO Employees Credit Union has shown is poor. 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. AFL-CIO Employees Credit Union has $66.76 million in assets with $7.1 million in equity, resulting in a capitalization level of 10.64%, which is above average.

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