Atlantic Regional Credit Union

Atlantic Regional Credit Union is headquartered in Brunswick and is the 3^rd largest credit union in the state of Maine. It is also the 742^nd largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 71 employees and 17,892 members. Atlantic Regional Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics ATLANTIC REGIONAL NCUA # 4281 BankRate Report View Year Chartered 1941 Employees 71 Primary Regulator Assets and Liabilities Assets $245.17 million Loans $148.49 million Deposits $210.19 million Equity Capital $33.40 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $1.14 million Historic Data - December 2010 Assets $239.44 million Equity Capital $31.41 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.24 million Real Estate Owned $103,000 Profit Margin - Quarterly Net Interest Margin 4.87% Return on Assets 0.71% Return on Equity 5.2% Interest Income $10.04 million Non-Interest Income $3.03 million

Institution Health Overall Score: 5 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 Regional Credit Union had $1.14 million in non-current loans and owned real-estate with $34.73 million in equity and loan loss allowances on hand to cover it. This gives Atlantic Regional Credit Union a Texas Ratio of 3.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Atlantic Regional Credit Union decreased slightly from 4.13% as of December 31, 2010 to 3.28% as of December 31, 2011, resulting in a positive change of 20.61%.This indicates that the balance sheet and financial strength for Atlantic Regional Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Atlantic Regional Credit Union has increased its total deposits by $3.48 million, resulting in 1.68% 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 Regional 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. Atlantic Regional Credit Union has $245.17 million in assets with $34.73 million in equity, resulting in a capitalization level of 14.17%, which is excellent.

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