Bay Ridge Lodge No 632 Credit Union

Bay Ridge Lodge No 632 Credit Union is headquartered in Marlboro and is the 201^st largest credit union in the state of New Jersey. It is also the 7,206^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to employees and 43 members. Bay Ridge Lodge No 632 Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics BAY RIDGE LODGE NO 632 NCUA # 16467 BankRate Report View Year Chartered 1964 Employees 0 Primary Regulator Assets and Liabilities Assets $84,000 Loans $53,000 Deposits $39,000 Equity Capital $45,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $7,000 Historic Data - December 2010 Assets $70,000 Equity Capital $45,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0% Return on Equity 0% Interest Income $4,000

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 Bay Ridge Lodge No 632 Credit Union had $7,000 in non-current loans and owned real-estate with $46,000 in equity and loan loss allowances on hand to cover it. This gives Bay Ridge Lodge No 632 Credit Union a Texas Ratio of 15.22% 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 Ridge Lodge No 632 Credit Union increased slightly from 8.70% as of December 31, 2010 to 15.22% as of December 31, 2011, resulting in a negative change of 75.00%. This indicates that the balance sheet and financial strength for Bay Ridge Lodge No 632 Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Bay Ridge Lodge No 632 Credit Union has increased its total deposits by $14,000, resulting in 56% 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 Ridge Lodge No 632 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. Bay Ridge Lodge No 632 Credit Union has $84,000 in assets with $46,000 in equity, resulting in a capitalization level of 54.76%, which is excellent.

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