Atlantic Greyhound Credit Union

Atlantic Greyhound Credit Union is headquartered in Charleston and is the 73^rd largest credit union in the state of West Virginia. It is also the 5,512^st largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 1 employees and 1,627 members. Atlantic Greyhound Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics ATLANTIC GREYHOUND NCUA # 12252 BankRate Report View Year Chartered 1958 Employees 1 Primary Regulator Assets and Liabilities Assets $5.06 million Loans $1.70 million Deposits $3.29 million Equity Capital $1.76 million Loan Loss Allowance $76,000 Unbacked Noncurrent Loans $460,000 Real Estate Owned $56,000 Historic Data - December 2010 Assets $5.49 million Equity Capital $1.80 million Loan Loss Allowance $49,000 Unbacked Noncurrent Loans $338,000 Profit Margin - Quarterly Net Interest Margin 6.31% Return on Assets -0.91% Return on Equity -2.62% Interest Income $179,000 Non-Interest Income $31,000

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 Atlantic Greyhound Credit Union had $516,000 in non-current loans and owned real-estate with $1.83 million in equity and loan loss allowances on hand to cover it. This gives Atlantic Greyhound Credit Union a Texas Ratio of 28.18% 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 Atlantic Greyhound Credit Union increased slightly from 18.27% as of December 31, 2010 to 28.18% as of December 31, 2011, resulting in a negative change of 54.25%. This indicates that the balance sheet and financial strength for Atlantic Greyhound Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Atlantic Greyhound Credit Union has decreased its total deposits by $-399,000, resulting in -10.8% 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 Atlantic Greyhound 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. Atlantic Greyhound Credit Union has $5.06 million in assets with $1.83 million in equity, resulting in a capitalization level of 36.21%, which is excellent.

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