Arkansas Democrat - Gazette Credit Union

Arkansas Democrat - Gazette Credit Union is headquartered in Little Rock and is the 42^nd largest credit union in the state of Arkansas. It is also the 5,455^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 1 employees and 693 members. Arkansas Democrat - Gazette Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ARKANSAS DEMOCRAT - GAZETTE NCUA # 24441 BankRate Report View Year Chartered 1936 Employees 1 Primary Regulator Assets and Liabilities Assets $5.26 million Loans $2.96 million Deposits $4.32 million Equity Capital $937,000 Loan Loss Allowance $50,000 Unbacked Noncurrent Loans $210,000 Historic Data - December 2010 Assets $4.52 million Equity Capital $869,000 Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $90,000 Profit Margin - Quarterly Net Interest Margin 7.08% Return on Assets 1.35% Return on Equity 7.58% Interest Income $292,000 Non-Interest Income $1,000

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 Arkansas Democrat - Gazette Credit Union had $210,000 in non-current loans and owned real-estate with $987,000 in equity and loan loss allowances on hand to cover it. This gives Arkansas Democrat - Gazette Credit Union a Texas Ratio of 21.28% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Arkansas Democrat - Gazette Credit Union increased slightly from 10.17% as of December 31, 2010 to 21.28% as of December 31, 2011, resulting in a negative change of 109.22%. This indicates that the balance sheet and financial strength for Arkansas Democrat - Gazette Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Arkansas Democrat - Gazette Credit Union has increased its total deposits by $679,000, resulting in 18.64% 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 Arkansas Democrat - Gazette 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. Arkansas Democrat - Gazette Credit Union has $5.26 million in assets with $987,000 in equity, resulting in a capitalization level of 18.75%, which is excellent.

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