Appalachian Credit Union

Appalachian Credit Union is headquartered in Berea and is the 43^rd largest credit union in the state of Kentucky. It is also the 3,892^nd largest credit union in the nation. It was established in 1980 and as of December of 2011, it had grown to 4 employees and 1,753 members. Appalachian Credit Union has a 1-star health rating.

Data for Q4 2011

Institution Statistics APPALACHIAN NCUA # 23632 BankRate Report View Year Chartered 1980 Employees 4 Primary Regulator Assets and Liabilities Assets $15.89 million Loans $13.56 million Deposits $14.66 million Equity Capital $18,000 Loan Loss Allowance $456,000 Unbacked Noncurrent Loans $1.65 million Real Estate Owned $143,000 Historic Data - December 2010 Assets $19.23 million Equity Capital $520,000 Loan Loss Allowance $162,000 Unbacked Noncurrent Loans $2.18 million Real Estate Owned $90,000 Profit Margin - Quarterly Net Interest Margin 6.03% Return on Assets -3.84% Return on Equity -3,388.89% Interest Income $1.22 million Non-Interest Income $61,000

Institution Health Overall Score: 1 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 Appalachian Credit Union had $1.79 million in non-current loans and owned real-estate with $474,000 in equity and loan loss allowances on hand to cover it. This gives Appalachian Credit Union a Texas Ratio of 378.27% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Appalachian Credit Union held steady from 333.43% as of December 31, 2010 to 378.27% as of December 31, 2011, resulting in a negative change of 13.45%. This indicates that the balance sheet and financial strength for Appalachian Credit Union has held steady in recent periods. Deposit Growth In the past year, Appalachian Credit Union has decreased its total deposits by -$2.42 million, resulting in -14.18% 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 Appalachian 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. Appalachian Credit Union has $15.89 million in assets with $474,000 in equity, resulting in a capitalization level of 2.98%, which is poor.

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