Apl Credit Union

Apl Credit Union is headquartered in Laurel and is the 14^st largest credit union in the state of Maryland. It is also the 530^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 47 employees and 19,303 members. Apl Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics APL NCUA # 9475 BankRate Report View Year Chartered 1954 Employees 47 Primary Regulator Assets and Liabilities Assets $364.64 million Loans $150.82 million Deposits $322.31 million Equity Capital $40.19 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $698,000 Historic Data - December 2010 Assets $335.03 million Equity Capital $35.04 million Loan Loss Allowance $1.47 million Unbacked Noncurrent Loans $1.08 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.44% Return on Equity 4% Interest Income $11.29 million Non-Interest Income $1.92 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, 2011 Apl Credit Union had $698,000 in non-current loans and owned real-estate with $41.94 million in equity and loan loss allowances on hand to cover it. This gives Apl Credit Union a Texas Ratio of 1.66% 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 Apl Credit Union decreased significantly from 2.97% as of December 31, 2010 to 1.66% as of December 31, 2011, resulting in a positive change of 43.89%.This indicates that the balance sheet and financial strength for Apl Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Apl Credit Union has increased its total deposits by $23.83 million, resulting in 7.98% 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 Apl 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. Apl Credit Union has $364.64 million in assets with $41.94 million in equity, resulting in a capitalization level of 11.50%, which is above average.

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