American Broadcast Employees Credit Union

American Broadcast Employees Credit Union is headquartered in Rockville Centr and is the 70^th largest credit union in the state of New York. It is also the 1,469^th largest credit union in the nation. It was established in 1967 and as of December of 2012, it had grown to 34 employees and 10,000 members. American Broadcast Employees Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics AMERICAN BROADCAST EMPLOYEES NCUA # 18273 BankRate Report View Year Chartered 1967 Employees 34 Primary Regulator Assets and Liabilities Assets $99.95 million Loans $61.61 million Deposits $88.63 million Equity Capital $10.12 million Loan Loss Allowance $453,000 Unbacked Noncurrent Loans $823,000 Historic Data - December 2011 Assets $92.49 million Equity Capital $10.04 million Loan Loss Allowance $611,000 Unbacked Noncurrent Loans $1.09 million Profit Margin - Quarterly Net Interest Margin 5.21% Return on Assets 0.06% Return on Equity 0.59% Interest Income $3.58 million Non-Interest Income $1.21 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 American Broadcast Employees Credit Union had $823,000 in non-current loans and owned real-estate with $10.57 million in equity and loan loss allowances on hand to cover it. This gives American Broadcast Employees Credit Union a Texas Ratio of 7.79% 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 American Broadcast Employees Credit Union decreased slightly from 10.22% as of December 31, 2011 to 7.79% as of December 31, 2012, resulting in a positive change of 23.81%.This indicates that the balance sheet and financial strength for American Broadcast Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, American Broadcast Employees Credit Union has increased its total deposits by $7.32 million, resulting in 9.01% 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 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. American Broadcast Employees Credit Union has $99.95 million in assets with $10.57 million in equity, resulting in a capitalization level of 10.57%, which is above average.

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