American Broadcast Employees Credit Union

American Broadcast Employees Credit Union is headquartered in Rockville Centr and is the 72^nd largest credit union in the state of New York. It is also the 1,502^nd largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 33 employees and 10,185 members. American Broadcast Employees Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics AMERICAN BROADCAST EMPLOYEES NCUA # 18273 BankRate Report View Year Chartered 1967 Employees 33 Primary Regulator Assets and Liabilities Assets $92.49 million Loans $63.03 million Deposits $81.30 million Equity Capital $10.04 million Loan Loss Allowance $611,000 Unbacked Noncurrent Loans $1.09 million Historic Data - December 2010 Assets $92.43 million Equity Capital $10.33 million Loan Loss Allowance $700,000 Unbacked Noncurrent Loans $943,000 Real Estate Owned $21,000 Profit Margin - Quarterly Net Interest Margin 5% Return on Assets 0.06% Return on Equity 0.51% Interest Income $3.67 million Non-Interest Income $1.18 million

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 American Broadcast Employees Credit Union had $1.09 million in non-current loans and owned real-estate with $10.65 million in equity and loan loss allowances on hand to cover it. This gives American Broadcast Employees Credit Union a Texas Ratio of 10.22% 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 American Broadcast Employees Credit Union held steady from 8.74% as of December 31, 2010 to 10.22% as of December 31, 2011, resulting in a negative change of 16.88%. This indicates that the balance sheet and financial strength for American Broadcast Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, American Broadcast Employees Credit Union has increased its total deposits by $402,000, resulting in 0.5% 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 American Broadcast Employees 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. American Broadcast Employees Credit Union has $92.49 million in assets with $10.65 million in equity, resulting in a capitalization level of 11.51%, which is above average.

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