Beulah Credit Union

Beulah Credit Union is headquartered in BROOKLYN and is the 423^rd largest credit union in the state of New York. It is also the 7,167^th largest credit union in the nation. It was established in 2007 and as of December of 2011, it had grown to employees and 186 members. Beulah Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics BEULAH NCUA # 24790 BankRate Report View Year Chartered 2007 Employees 0 Primary Regulator Assets and Liabilities Assets $137,000 Loans $13,000 Deposits $127,000 Equity Capital $10,000 Historic Data - December 2010 Assets $122,000 Equity Capital $9,000 Profit Margin - Quarterly Net Interest Margin 0% Return on Assets 0.73% Return on Equity 10% Non-Interest Income $6,000

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 Beulah Credit Union had $0 in non-current loans and owned real-estate with $10,000 in equity and loan loss allowances on hand to cover it. This gives Beulah Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Beulah Credit Union has increased its total deposits by $14,000, resulting in 12.39% 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 Beulah 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. Beulah Credit Union has $137,000 in assets with $10,000 in equity, resulting in a capitalization level of 7.30%, which is below average.

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