B-M S Credit Union

B-M S Credit Union is headquartered in New Brunswick and is the 28^th largest credit union in the state of New Jersey. It is also the 1,505^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 14 employees and 6,200 members. B-M S Credit Union has a 5-star health rating.

B-M S Credit Union CD Rates

Data for Q4 2011

Institution Statistics B-M S NCUA # 9146 BankRate Report View Year Chartered 1954 Employees 14 Primary Regulator Assets and Liabilities Assets $92.28 million Loans $11.19 million Deposits $76.61 million Equity Capital $15.36 million Loan Loss Allowance $75,000 Unbacked Noncurrent Loans $344,000 Historic Data - December 2010 Assets $89.99 million Equity Capital $14.91 million Loan Loss Allowance $132,000 Unbacked Noncurrent Loans $126,000 Profit Margin - Quarterly Net Interest Margin 5.72% Return on Assets -0.19% Return on Equity -1.12% Interest Income $2.18 million Non-Interest Income $224,000

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 B-M S Credit Union had $344,000 in non-current loans and owned real-estate with $15.44 million in equity and loan loss allowances on hand to cover it. This gives B-M S 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 B-M S Credit Union held steady from 0.84% as of December 31, 2010 to 2.23% as of December 31, 2011, resulting in a negative change of 165.96%. This indicates that the balance sheet and financial strength for B-M S Credit Union has held steady in recent periods. Deposit Growth In the past year, B-M S Credit Union has increased its total deposits by $1.69 million, resulting in 2.25% 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 B-M S 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. B-M S Credit Union has $92.28 million in assets with $15.44 million in equity, resulting in a capitalization level of 16.73%, which is excellent.

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