Burgess & Niple Employees Credit Union

Burgess & Niple Employees Credit Union is headquartered in COLUMBUS and is the 317^st largest credit union in the state of Ohio. It is also the 6,308^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to employees and 335 members. Burgess & Niple Employees Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

Burgess & Niple Employees Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics BURGESS & NIPLE EMPLOYEES NCUA # 63514 BankRate Report View Year Chartered 1958 Employees 0 Primary Regulator Assets and Liabilities Assets $2.07 million Loans $771,000 Deposits $1.91 million Equity Capital $160,000 Loan Loss Allowance $12,000 Unbacked Noncurrent Loans $7,000 Historic Data - December 2010 Assets $2.47 million Equity Capital $179,000 Loan Loss Allowance $15,000 Unbacked Noncurrent Loans $7,000 Profit Margin - Quarterly Net Interest Margin 6.04% Return on Assets -0.87% Return on Equity -11.25% Interest Income $71,000

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 Burgess & Niple Employees Credit Union had $7,000 in non-current loans and owned real-estate with $172,000 in equity and loan loss allowances on hand to cover it. This gives Burgess & Niple Employees Credit Union a Texas Ratio of 4.07% 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 Burgess & Niple Employees Credit Union held steady from 3.61% as of December 31, 2010 to 4.07% as of December 31, 2011, resulting in a negative change of 12.79%. This indicates that the balance sheet and financial strength for Burgess & Niple Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Burgess & Niple Employees Credit Union has decreased its total deposits by $-384,000, resulting in -16.76% 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 Burgess & Niple Employees 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. Burgess & Niple Employees Credit Union has $2.07 million in assets with $172,000 in equity, resulting in a capitalization level of 8.31%, which is average.

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