Bradley Initiative Credit Union

Bradley Initiative Credit Union is headquartered in CELVELAND and is the 161^st largest credit union in the state of Tennessee. It is also the 6,306^th largest credit union in the nation. It was established in 2003 and as of December of 2011, it had grown to 2 employees and 1,425 members. Bradley Initiative Credit Union has a 5-star health rating.

Bradley Initiative Credit Union Savings Account Rates

Bradley Initiative Credit Union CD Rates

Data for Q4 2011

Institution Statistics BRADLEY INITIATIVE NCUA # 68513 BankRate Report View Year Chartered 2003 Employees 2 Primary Regulator Assets and Liabilities Assets $2.08 million Loans $1.29 million Deposits $1.85 million Equity Capital $216,000 Loan Loss Allowance $65,000 Unbacked Noncurrent Loans $20,000 Historic Data - December 2010 Assets $2.20 million Equity Capital $208,000 Loan Loss Allowance $60,000 Unbacked Noncurrent Loans $72,000 Profit Margin - Quarterly Net Interest Margin 10.77% Return on Assets 0.43% Return on Equity 4.17% Interest Income $146,000 Non-Interest Income $26,000

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 Bradley Initiative Credit Union had $20,000 in non-current loans and owned real-estate with $281,000 in equity and loan loss allowances on hand to cover it. This gives Bradley Initiative Credit Union a Texas Ratio of 7.12% 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 Bradley Initiative Credit Union decreased significantly from 26.87% as of December 31, 2010 to 7.12% as of December 31, 2011, resulting in a positive change of 73.51%.This indicates that the balance sheet and financial strength for Bradley Initiative Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Bradley Initiative Credit Union has decreased its total deposits by $-135,000, resulting in -6.8% 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 Bradley Initiative Credit Union has shown is poor. 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. Bradley Initiative Credit Union has $2.08 million in assets with $281,000 in equity, resulting in a capitalization level of 13.54%, which is excellent.

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