Birmingham-Bloomfield Credit Union

Birmingham-Bloomfield Credit Union is headquartered in Birmingham and is the 145^th largest credit union in the state of Michigan. It is also the 2,212^st largest credit union in the nation. It was established in 1931 and as of December of 2011, it had grown to 14 employees and 5,919 members. Birmingham-Bloomfield Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics BIRMINGHAM-BLOOMFIELD NCUA # 61698 BankRate Report View Year Chartered 1931 Employees 14 Primary Regulator Assets and Liabilities Assets $51.41 million Loans $27.43 million Deposits $47.48 million Equity Capital $3.85 million Loan Loss Allowance $343,000 Unbacked Noncurrent Loans $308,000 Historic Data - December 2010 Assets $49.06 million Equity Capital $3.23 million Loan Loss Allowance $511,000 Unbacked Noncurrent Loans $370,000 Real Estate Owned $25,000 Profit Margin - Quarterly Net Interest Margin 5.65% Return on Assets 1.2% Return on Equity 16.01% Interest Income $1.97 million Non-Interest Income $484,000

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 Birmingham-Bloomfield Credit Union had $308,000 in non-current loans and owned real-estate with $4.19 million in equity and loan loss allowances on hand to cover it. This gives Birmingham-Bloomfield Credit Union a Texas Ratio of 7.35% 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 Birmingham-Bloomfield Credit Union decreased slightly from 10.56% as of December 31, 2010 to 7.35% as of December 31, 2011, resulting in a positive change of 30.40%.This indicates that the balance sheet and financial strength for Birmingham-Bloomfield Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Birmingham-Bloomfield Credit Union has increased its total deposits by $1.71 million, resulting in 3.74% 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 Birmingham-Bloomfield 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. Birmingham-Bloomfield Credit Union has $51.41 million in assets with $4.19 million in equity, resulting in a capitalization level of 8.15%, which is average.

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