Bull Dog Credit Union

Bull Dog Credit Union is headquartered in Hagerstown and is the 32^nd largest credit union in the state of Maryland. It is also the 1,321^st largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 49 employees and 22,045 members. Bull Dog Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics BULL DOG NCUA # 18868 BankRate Report View Year Chartered 1968 Employees 49 Primary Regulator Assets and Liabilities Assets $112.23 million Loans $46.88 million Deposits $96.33 million Equity Capital $12.92 million Loan Loss Allowance $566,000 Unbacked Noncurrent Loans $276,000 Real Estate Owned $181,000 Historic Data - December 2010 Assets $105.71 million Equity Capital $12.88 million Loan Loss Allowance $700,000 Unbacked Noncurrent Loans $602,000 Profit Margin - Quarterly Net Interest Margin 6.38% Return on Assets -0.26% Return on Equity -2.28% Interest Income $4.04 million Non-Interest Income $2.37 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 Bull Dog Credit Union had $457,000 in non-current loans and owned real-estate with $13.49 million in equity and loan loss allowances on hand to cover it. This gives Bull Dog Credit Union a Texas Ratio of 3.39% 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 Bull Dog Credit Union decreased slightly from 4.43% as of December 31, 2010 to 3.39% as of December 31, 2011, resulting in a positive change of 23.57%.This indicates that the balance sheet and financial strength for Bull Dog Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Bull Dog Credit Union has increased its total deposits by $4.29 million, resulting in 4.66% 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 Bull Dog 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. Bull Dog Credit Union has $112.23 million in assets with $13.49 million in equity, resulting in a capitalization level of 12.02%, which is excellent.

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