Astera Credit Union

111 S Waverly Rd
Lansing, MI 48917
800-323-0048
www.asteracu.com

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Astera Credit Union is headquartered in LANSING and is the 60^th largest credit union in the state of Michigan. It is also the 1,073^rd largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 68 employees and 22,931 members. Astera Credit Union has a 3-star health rating.

Astera Credit Union Routing Number: 272481952

Top 5-Year CD Rates at Astera Credit Union in Michigan - Easy Membership - 5/10/2012

Astera Credit Union has two very competitive 5-year CD rates. The highest is the Jumbo CD rate with a 2.25% APY. Minimum deposit is $50,000. The regular CD has a 2.15% APY and a minimum deposit of $50 ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Astera Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$500	-	Check Plus Account

Astera Credit Union Savings Account Rates

Apy	Min	Max	Product
0.35%	$100	-	Star Saver
0.20%	-	-	IRA Account
0.20%	-	-	Roth IRA Account
0.20%	-	-	CESA Savings Account
0.20%	-	-	Health Savings Account
0.10%	$100	-	Member Share Account
0.10%	-	-	Christmas Club

Astera Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$75k	-	Money Market

Astera Credit Union CD Rates

Apy	Min	Max	Product
2.25%	$50k	-	5 Year Jumbo CD
2.15%	$500	-	5 Year CD
1.75%	$500	-	4 Year CD
1.25%	$500	-	3 Year CD
0.90%	$500	-	2 Year CD
0.70%	$500	-	18 Month CD
0.60%	$500	-	1 Year CD
0.30%	$500	-	6 Month CD

Astera Credit Union IRA Rates

Apy	Min	Max	Product
2.25%	$50k	-	5 Year Jumbo IRA
2.25%	$50k	-	5 Year Jumbo Roth IRA
2.25%	$50k	-	5 Year Jumbo CESA
2.15%	$500	-	5 Year IRA
2.15%	$500	-	5 Year Roth IRA
2.15%	$500	-	5 Year CESA
1.75%	$500	-	4 Year IRA
1.75%	$500	-	4 Year Roth IRA
1.75%	$500	-	4 Year CESA
1.25%	$500	-	3 Year IRA
1.25%	$500	-	3 Year Roth IRA
1.25%	$500	-	3 Year CESA
0.90%	$500	-	2 Year IRA
0.90%	$500	-	2 Year Roth IRA
0.90%	$500	-	2 Year CESA
0.70%	$500	-	18 Month IRA
0.70%	$500	-	18 Month Roth IRA
0.70%	$500	-	18 Month CESA
0.60%	$500	-	1 Year IRA
0.60%	$500	-	1 Year Roth IRA
0.60%	$500	-	1 Year CESA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month Roth IRA
0.30%	$500	-	6 Month CESA

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

ASTERA
NCUA #	60920
BankRate Report	View
Year Chartered	1949
Employees	68
Primary Regulator
Assets and Liabilities
Assets	$147.90 million
Loans	$119.51 million
Deposits	$133.30 million
Equity Capital	$14.05 million
Loan Loss Allowance	$3.66 million
Unbacked Noncurrent Loans	$4.06 million
Real Estate Owned	$62,000
Historic Data - December 2010
Assets	$149.52 million
Equity Capital	$15.95 million
Loan Loss Allowance	$1.73 million
Unbacked Noncurrent Loans	$2.36 million
Profit Margin - Quarterly
Net Interest Margin	5.81%
Return on Assets	-1.32%
Return on Equity	-13.89%
Interest Income	$7.26 million
Non-Interest Income	$2.30 million

Institution Health

Overall Score:

3 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 Astera Credit Union had $4.12 million in non-current loans and owned real-estate with $17.71 million in equity and loan loss allowances on hand to cover it. This gives Astera Credit Union a Texas Ratio of 23.28% 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 Astera Credit Union increased slightly from 13.33% as of December 31, 2010 to 23.28% as of December 31, 2011, resulting in a negative change of 74.65%. This indicates that the balance sheet and financial strength for Astera Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Astera Credit Union has increased its total deposits by $196,000, resulting in 0.15% 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 Astera Credit Union has shown is 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. Astera Credit Union has $147.9 million in assets with $17.71 million in equity, resulting in a capitalization level of 11.97%, which is above average.