B N A Credit Union

B N A Credit Union is headquartered in Arlington and is the 66^th largest credit union in the state of Virginia. It is also the 2,294^th largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 3 employees and 985 members. B N A Credit Union has a 4-star health rating.

B N A Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics B N A NCUA # 5610 BankRate Report View Year Chartered 1947 Employees 3 Primary Regulator Assets and Liabilities Assets $47.93 million Loans $803,000 Deposits $45.95 million Equity Capital $1.96 million Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $25,000 Historic Data - December 2010 Assets $18.92 million Equity Capital $1.96 million Loan Loss Allowance $13,000 Unbacked Noncurrent Loans $39,000 Profit Margin - Quarterly Net Interest Margin 32.21% Return on Assets 0.01% Return on Equity 0.25% Interest Income $598,000 Non-Interest Income $20,000

Institution Health Overall Score: 4 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 N A Credit Union had $25,000 in non-current loans and owned real-estate with $1.97 million in equity and loan loss allowances on hand to cover it. This gives B N A Credit Union a Texas Ratio of 1.27% 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 N A Credit Union decreased slightly from 1.98% as of December 31, 2010 to 1.27% as of December 31, 2011, resulting in a positive change of 35.96%.This indicates that the balance sheet and financial strength for B N A Credit Union has improved slightly in recent periods. Deposit Growth In the past year, B N A Credit Union has increased its total deposits by $29.01 million, resulting in 171.3% 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 N A 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 N A Credit Union has $47.93 million in assets with $1.97 million in equity, resulting in a capitalization level of 4.11%, which is poor.

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