Beech Island Credit Union

Beech Island Credit Union is headquartered in BEECH ISLAND and is the 57^th largest credit union in the state of South Carolina. It is also the 5,072^nd largest credit union in the nation. It was established in 1971 and as of December of 2011, it had grown to 4 employees and 1,193 members. Beech Island Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics BEECH ISLAND NCUA # 60810 BankRate Report View Year Chartered 1971 Employees 4 Primary Regulator Assets and Liabilities Assets $7.25 million Loans $4.05 million Deposits $6.12 million Equity Capital $1.08 million Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $25,000 Historic Data - December 2010 Assets $7.16 million Equity Capital $1.10 million Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $27,000 Profit Margin - Quarterly Net Interest Margin 7.14% Return on Assets -0.3% Return on Equity -2.04% Interest Income $316,000 Non-Interest Income $77,000

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 Beech Island Credit Union had $25,000 in non-current loans and owned real-estate with $1.12 million in equity and loan loss allowances on hand to cover it. This gives Beech Island Credit Union a Texas Ratio of 2.23% 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 Beech Island Credit Union held steady from 2.36% as of December 31, 2010 to 2.23% as of December 31, 2011, resulting in a positive change of 5.51%.This indicates that the balance sheet and financial strength for Beech Island Credit Union has held steady in recent periods. Deposit Growth In the past year, Beech Island Credit Union has increased its total deposits by $88,000, resulting in 1.46% 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 Beech Island 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. Beech Island Credit Union has $7.25 million in assets with $1.12 million in equity, resulting in a capitalization level of 15.45%, which is excellent.

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