Albany City Lodge K Of P 540 Credit Union

Albany City Lodge K Of P 540 Credit Union is headquartered in Albany and is the 344^th largest credit union in the state of New York. It is also the 6,266^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to employees and 320 members. Albany City Lodge K Of P 540 Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ALBANY CITY LODGE K OF P 540 NCUA # 17469 BankRate Report View Year Chartered 1966 Employees 0 Primary Regulator Assets and Liabilities Assets $2.22 million Loans $895,000 Deposits $1.91 million Equity Capital $308,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $42,000 Historic Data - December 2010 Assets $2.23 million Equity Capital $324,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $93,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets -0.68% Return on Equity -4.87% Interest Income $56,000 Non-Interest Income $2,000

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 December 31, 2011 Albany City Lodge K Of P 540 Credit Union had $42,000 in non-current loans and owned real-estate with $317,000 in equity and loan loss allowances on hand to cover it. This gives Albany City Lodge K Of P 540 Credit Union a Texas Ratio of 13.25% 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 Albany City Lodge K Of P 540 Credit Union decreased significantly from 27.93% as of December 31, 2010 to 13.25% as of December 31, 2011, resulting in a positive change of 52.56%.This indicates that the balance sheet and financial strength for Albany City Lodge K Of P 540 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Albany City Lodge K Of P 540 Credit Union has increased its total deposits by $10,000, resulting in 0.53% 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 Albany City Lodge K Of P 540 Credit Union has shown is average. 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. Albany City Lodge K Of P 540 Credit Union has $2.22 million in assets with $317,000 in equity, resulting in a capitalization level of 14.27%, which is excellent.

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