C A S E Credit Union

C A S E Credit Union is headquartered in Tyler and is the 444^th largest credit union in the state of Texas. It is also the 5,702^nd largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 2 employees and 1,346 members. C A S E Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics C A S E NCUA # 11299 BankRate Report View Year Chartered 1956 Employees 2 Primary Regulator Assets and Liabilities Assets $4.24 million Loans $1.52 million Deposits $3.56 million Equity Capital $671,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $7,000 Historic Data - December 2010 Assets $4.05 million Equity Capital $708,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $1,000 Profit Margin - Quarterly Net Interest Margin 4.95% Return on Assets -0.85% Return on Equity -5.37% Interest Income $85,000 Non-Interest Income $74,000

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 C A S E Credit Union had $7,000 in non-current loans and owned real-estate with $674,000 in equity and loan loss allowances on hand to cover it. This gives C A S E Credit Union a Texas Ratio of 1.04% 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 C A S E Credit Union held steady from 0.14% as of December 31, 2010 to 1.04% as of December 31, 2011, resulting in a negative change of 640.50%. This indicates that the balance sheet and financial strength for C A S E Credit Union has held steady in recent periods. Deposit Growth In the past year, C A S E Credit Union has increased its total deposits by $224,000, resulting in 6.72% 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 C A S E 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. C A S E Credit Union has $4.24 million in assets with $674,000 in equity, resulting in a capitalization level of 15.90%, which is excellent.

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