Bridgeton Onized Credit Union

Bridgeton Onized Credit Union is headquartered in Vineland and is the 60^th largest credit union in the state of New Jersey. It is also the 3,012^st largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 18 employees and 7,007 members. Bridgeton Onized Credit Union's CD rates are 11% higher than the national average, and it has a 4-star health rating.

Bridgeton Onized Credit Union Savings Account Rates

Bridgeton Onized Credit Union Money Market Rates

Bridgeton Onized Credit Union CD Rates

Bridgeton Onized Credit Union IRA Rates

Data for Q4 2011

Institution Statistics BRIDGETON ONIZED NCUA # 3476 BankRate Report View Year Chartered 1939 Employees 18 Primary Regulator Assets and Liabilities Assets $28.55 million Loans $17.20 million Deposits $26.18 million Equity Capital $2.35 million Loan Loss Allowance $373,000 Unbacked Noncurrent Loans $457,000 Historic Data - December 2010 Assets $27.43 million Equity Capital $2.21 million Loan Loss Allowance $330,000 Unbacked Noncurrent Loans $725,000 Profit Margin - Quarterly Net Interest Margin 8.36% Return on Assets 0.5% Return on Equity 6.05% Interest Income $1.67 million Non-Interest Income $860,000

Institution Health Overall Score: 4 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 Bridgeton Onized Credit Union had $457,000 in non-current loans and owned real-estate with $2.72 million in equity and loan loss allowances on hand to cover it. This gives Bridgeton Onized Credit Union a Texas Ratio of 16.79% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bridgeton Onized Credit Union decreased significantly from 28.58% as of December 31, 2010 to 16.79% as of December 31, 2011, resulting in a positive change of 41.25%.This indicates that the balance sheet and financial strength for Bridgeton Onized Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Bridgeton Onized Credit Union has increased its total deposits by $948,000, resulting in 3.76% 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 Bridgeton Onized 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. Bridgeton Onized Credit Union has $28.55 million in assets with $2.72 million in equity, resulting in a capitalization level of 9.53%, which is average.

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