Arrowpointe Credit Union

Arrowpointe Credit Union is headquartered in CATAWBA and is the 17^st largest credit union in the state of South Carolina. It is also the 1,318^st largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 41 employees and 13,212 members. Arrowpointe Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics ARROWPOINTE NCUA # 13573 BankRate Report View Year Chartered 1960 Employees 41 Primary Regulator Assets and Liabilities Assets $112.45 million Loans $63.02 million Deposits $99.61 million Equity Capital $11.01 million Loan Loss Allowance $857,000 Unbacked Noncurrent Loans $657,000 Real Estate Owned $585,000 Historic Data - December 2010 Assets $104.69 million Equity Capital $10.93 million Loan Loss Allowance $686,000 Unbacked Noncurrent Loans $616,000 Real Estate Owned $708,000 Profit Margin - Quarterly Net Interest Margin 5.73% Return on Assets 0.17% Return on Equity 1.71% Interest Income $5.07 million Non-Interest Income $1.72 million

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 Arrowpointe Credit Union had $1.24 million in non-current loans and owned real-estate with $11.87 million in equity and loan loss allowances on hand to cover it. This gives Arrowpointe Credit Union a Texas Ratio of 10.47% 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 Arrowpointe Credit Union held steady from 11.39% as of December 31, 2010 to 10.47% as of December 31, 2011, resulting in a positive change of 8.15%.This indicates that the balance sheet and financial strength for Arrowpointe Credit Union has held steady in recent periods. Deposit Growth In the past year, Arrowpointe Credit Union has increased its total deposits by $7.1 million, resulting in 7.67% 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 Arrowpointe 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. Arrowpointe Credit Union has $112.45 million in assets with $11.87 million in equity, resulting in a capitalization level of 10.55%, which is above average.

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