Automotive Aftermarket Employee Credit Union

Automotive Aftermarket Employee Credit Union is headquartered in Severna Park and is the 93^rd largest credit union in the state of Maryland. It is also the 6,116^st largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 1 employees and 718 members. Automotive Aftermarket Employee Credit Union has a 3-star health rating.

Automotive Aftermarket Employee Credit Union Checking Account Rates

Automotive Aftermarket Employee Credit Union Savings Account Rates

Automotive Aftermarket Employee Credit Union CD Rates

Data for Q4 2011

Institution Statistics AUTOMOTIVE AFTERMARKET EMPLOYEE NCUA # 21975 BankRate Report View Year Chartered 1975 Employees 1 Primary Regulator Assets and Liabilities Assets $2.69 million Loans $1.10 million Deposits $2.41 million Equity Capital $274,000 Loan Loss Allowance $11,000 Unbacked Noncurrent Loans $49,000 Historic Data - December 2010 Assets $2.71 million Equity Capital $325,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $36,000 Profit Margin - Quarterly Net Interest Margin 7.53% Return on Assets -1.9% Return on Equity -18.61% Interest Income $111,000 Non-Interest Income $14,000

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 Automotive Aftermarket Employee Credit Union had $49,000 in non-current loans and owned real-estate with $285,000 in equity and loan loss allowances on hand to cover it. This gives Automotive Aftermarket Employee Credit Union a Texas Ratio of 17.19% 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 Automotive Aftermarket Employee Credit Union increased slightly from 10.37% as of December 31, 2010 to 17.19% as of December 31, 2011, resulting in a negative change of 65.72%. This indicates that the balance sheet and financial strength for Automotive Aftermarket Employee Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Automotive Aftermarket Employee Credit Union has increased its total deposits by $26,000, resulting in 1.09% 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 Automotive Aftermarket Employee 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. Automotive Aftermarket Employee Credit Union has $2.69 million in assets with $285,000 in equity, resulting in a capitalization level of 10.61%, which is above average.

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