Bridgeway Credit Union

21 Burnett Blvd, Suite 2
Poughkeepsie, NY 12603
www.bridgewayfcu.org

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Bridgeway Credit Union is headquartered in Poughkeepsie and is the 82^nd largest credit union in the state of New York. It is also the 1,776^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 30 employees and 9,018 members. Bridgeway Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Bridgeway Credit Union Checking Account Rates

Apy	Min	Max	Product
0.25%	$2,500	-	Business Advantage Checking Account
0.10%	$3k	-	Preferred Checking Account
0.05%	$500	-	Prime Checking Account

Bridgeway Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$250	-	Share Savings Account
0.10%	-	-	Youth Shares Savings Account
0.10%	$250	-	Holiday Club Share Savings Account
0.10%	$250	-	Vacation Club Share Savings Account
0.10%	$250	-	Tax Club Share Savings Account
0.10%	$250	-	Special Club Share Savings Account
0.10%	$250	-	IRA Savings Account
0.10%	$250	-	Business Savings Account
0.10%	$250	-	Roth IRA Savings Account
0.10%	$250	-	CESA Savings Account

Bridgeway Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.55%	$50k	-	Money Market Account

Bridgeway Credit Union CD Rates

Apy	Min	Max	Product
2.10%	$500	-	60-72 Month Share Certificate
2.10%	$100	-	60-72 Month Youth Share Certificate
1.75%	$500	-	48-59 Month Share Certificate
1.75%	$100	-	48-59 Month Youth Share Certificate
1.40%	$500	-	36-47 Month Share Certificate
1.40%	$100	-	36-47 Month Youth Share Certificate
1.10%	$500	-	24-35 Month Share Certificate
1.10%	$100	-	24-35 Month Youth Share Certificate
0.95%	$500	-	18-23 Month Share Certificate
0.95%	$100	-	18-23 Month Youth Share Certificate
0.80%	$500	-	12-17 Month Share Certificate
0.80%	$100	-	12-17 Month Youth Share Certificate
0.55%	$500	-	6-11 Month Share Certificate
0.40%	$500	-	3-5 Month Share Certificate

Bridgeway Credit Union IRA Rates

Apy	Min	Max	Product
2.20%	$500	-	60-72 Month IRA Share Certificate
2.20%	$500	-	60-72 Month Roth IRA Share Certificate
2.20%	$500	-	60-72 Month Coverdell ESA Share Certificate
1.85%	$500	-	48-59 Month IRA Share Certificate
1.85%	$500	-	48-59 Month Roth IRA Share Certificate
1.85%	$500	-	48-59 Month Coverdell ESA Share Certificate
1.50%	$500	-	36-47 Month IRA Share Certificate
1.50%	$500	-	36-47 Month Roth IRA Share Certificate
1.50%	$500	-	36-47 Month Coverdell ESA Share Certificate
1.20%	$500	-	24-35 Month IRA Share Certificate
1.20%	$500	-	24-35 Month Roth IRA Share Certificate
1.20%	$500	-	24-35 Month Coverdell ESA Share Certificate
1.05%	$500	-	18-23 Month IRA Share Certificate
1.05%	$500	-	18-23 Month Roth IRA Share Certificate
1.05%	$500	-	18-23 Month Coverdell ESA Share Certificate
0.90%	$500	-	12-17 Month IRA Share Certificate
0.90%	$500	-	12-17 Month Roth IRA Share Certificate
0.90%	$500	-	12-17 Month Coverdell ESA Share Certificate
0.65%	$500	-	6-11 Month IRA Share Certificate
0.65%	$500	-	6-11 Month Roth IRA Share Certificate
0.65%	$500	-	6-11 Month Coverdell ESA Share Certificate
0.50%	$500	-	3-5 Month IRA Share Certificate
0.50%	$500	-	3-5 Month Roth IRA Share Certificate
0.50%	$500	-	3-5 Month Coverdell ESA Share Certificate

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BRIDGEWAY
NCUA #	731
BankRate Report	View
Year Chartered	1935
Employees	30
Primary Regulator
Assets and Liabilities
Assets	$72.84 million
Loans	$48.24 million
Deposits	$65.78 million
Equity Capital	$5.04 million
Loan Loss Allowance	$229,000
Unbacked Noncurrent Loans	$337,000
Historic Data - December 2010
Assets	$68.45 million
Equity Capital	$5.07 million
Loan Loss Allowance	$304,000
Unbacked Noncurrent Loans	$350,000
Profit Margin - Quarterly
Net Interest Margin	4.93%
Return on Assets	0.35%
Return on Equity	5.1%
Interest Income	$3.12 million
Non-Interest Income	$1.17 million

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 Bridgeway Credit Union had $337,000 in non-current loans and owned real-estate with $5.27 million in equity and loan loss allowances on hand to cover it. This gives Bridgeway Credit Union a Texas Ratio of 6.39% 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 Bridgeway Credit Union held steady from 6.51% as of December 31, 2010 to 6.39% as of December 31, 2011, resulting in a positive change of 1.82%.This indicates that the balance sheet and financial strength for Bridgeway Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Bridgeway Credit Union has increased its total deposits by $3.62 million, resulting in 5.83% 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 Bridgeway 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. Bridgeway Credit Union has $72.84 million in assets with $5.27 million in equity, resulting in a capitalization level of 7.24%, which is below average.

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