B E T Credit Union

B E T Credit Union is headquartered in Bronxville and is the 275^th largest credit union in the state of New York. It is also the 5,210^st largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to employees and 556 members. B E T Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

B E T Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics B E T NCUA # 3653 BankRate Report View Year Chartered 1940 Employees 0 Primary Regulator Assets and Liabilities Assets $6.56 million Loans $1.05 million Deposits $6.08 million Equity Capital $457,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $12,000 Historic Data - December 2010 Assets $5.94 million Equity Capital $442,000 Loan Loss Allowance $4,000 Unbacked Noncurrent Loans $1,000 Profit Margin - Quarterly Net Interest Margin 5.09% Return on Assets 0.23% Return on Equity 3.28% Interest Income $163,000

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 B E T Credit Union had $12,000 in non-current loans and owned real-estate with $464,000 in equity and loan loss allowances on hand to cover it. This gives B E T Credit Union a Texas Ratio of 2.59% 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 B E T Credit Union held steady from 0.22% as of December 31, 2010 to 2.59% as of December 31, 2011, resulting in a negative change of 1,053.45%. This indicates that the balance sheet and financial strength for B E T Credit Union has held steady in recent periods. Deposit Growth In the past year, B E T Credit Union has increased its total deposits by $603,000, resulting in 11.01% 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 B E T 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. B E T Credit Union has $6.56 million in assets with $464,000 in equity, resulting in a capitalization level of 7.07%, which is below average.

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