Bay Pines Credit Union

Bay Pines Credit Union is headquartered in BAY PINES and is the 86^th largest credit union in the state of Florida. It is also the 2,315^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 16 employees and 6,518 members. Bay Pines Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics BAY PINES NCUA # 192 BankRate Report View Year Chartered 1935 Employees 16 Primary Regulator Assets and Liabilities Assets $46.88 million Loans $17.21 million Deposits $42.68 million Equity Capital $3.76 million Loan Loss Allowance $264,000 Unbacked Noncurrent Loans $656,000 Real Estate Owned $185,000 Historic Data - December 2010 Assets $46.25 million Equity Capital $4.00 million Loan Loss Allowance $241,000 Unbacked Noncurrent Loans $316,000 Real Estate Owned $185,000 Profit Margin - Quarterly Net Interest Margin 6.32% Return on Assets -0.36% Return on Equity -4.52% Interest Income $1.62 million Non-Interest Income $551,000

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 Bay Pines Credit Union had $841,000 in non-current loans and owned real-estate with $4.02 million in equity and loan loss allowances on hand to cover it. This gives Bay Pines Credit Union a Texas Ratio of 20.92% 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 Bay Pines Credit Union increased slightly from 11.82% as of December 31, 2010 to 20.92% as of December 31, 2011, resulting in a negative change of 76.92%. This indicates that the balance sheet and financial strength for Bay Pines Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Bay Pines Credit Union has increased its total deposits by $888,000, resulting in 2.12% 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 Bay Pines 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. Bay Pines Credit Union has $46.88 million in assets with $4.02 million in equity, resulting in a capitalization level of 8.58%, which is average.

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