Arlington K Of C 109 Credit Union

Arlington K Of C 109 Credit Union is headquartered in Arlington and is the 205^th largest credit union in the state of Massachusetts. It is also the 6,810^st largest credit union in the nation. It was established in 1982 and as of December of 2011, it had grown to employees and 318 members. Arlington K Of C 109 Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ARLINGTON K OF C 109 NCUA # 23932 BankRate Report View Year Chartered 1982 Employees 0 Primary Regulator Assets and Liabilities Assets $777,000 Loans $243,000 Deposits $450,000 Equity Capital $326,000 Loan Loss Allowance $4,000 Unbacked Noncurrent Loans $36,000 Historic Data - December 2010 Assets $760,000 Equity Capital $326,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $14,000 Profit Margin - Quarterly Net Interest Margin 9.24% Return on Assets 0% Return on Equity 0% Interest Income $25,000

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 Arlington K Of C 109 Credit Union had $36,000 in non-current loans and owned real-estate with $330,000 in equity and loan loss allowances on hand to cover it. This gives Arlington K Of C 109 Credit Union a Texas Ratio of 10.91% 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 Arlington K Of C 109 Credit Union increased slightly from 4.23% as of December 31, 2010 to 10.91% as of December 31, 2011, resulting in a negative change of 157.92%. This indicates that the balance sheet and financial strength for Arlington K Of C 109 Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Arlington K Of C 109 Credit Union has increased its total deposits by $17,000, resulting in 3.93% 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 Arlington K Of C 109 Credit Union has shown is above 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. Arlington K Of C 109 Credit Union has $777,000 in assets with $330,000 in equity, resulting in a capitalization level of 42.47%, which is excellent.

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