C C S E Credit Union

C C S E Credit Union is headquartered in Salamanca and is the 150^th largest credit union in the state of New York. It is also the 3,061^st largest credit union in the nation. It was established in 1977 and as of December of 2011, it had grown to 10 employees and 4,381 members. C C S E Credit Union's CD rates are 11% higher than the national average, and it has a 4-star health rating.

C C S E Credit Union Savings Account Rates

C C S E Credit Union CD Rates

Data for Q4 2011

Institution Statistics C C S E NCUA # 22754 BankRate Report View Year Chartered 1977 Employees 10 Primary Regulator Assets and Liabilities Assets $27.59 million Loans $16.43 million Deposits $24.79 million Equity Capital $2.80 million Loan Loss Allowance $89,000 Unbacked Noncurrent Loans $305,000 Historic Data - December 2010 Assets $25.21 million Equity Capital $2.43 million Loan Loss Allowance $54,000 Unbacked Noncurrent Loans $170,000 Profit Margin - Quarterly Net Interest Margin 6.12% Return on Assets 1.24% Return on Equity 12.17% Interest Income $1.28 million Non-Interest Income $151,000

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 C C S E Credit Union had $305,000 in non-current loans and owned real-estate with $2.89 million in equity and loan loss allowances on hand to cover it. This gives C C S E Credit Union a Texas Ratio of 10.55% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for C C S E Credit Union held steady from 6.85% as of December 31, 2010 to 10.55% as of December 31, 2011, resulting in a negative change of 53.96%. This indicates that the balance sheet and financial strength for C C S E Credit Union has held steady in recent periods. Deposit Growth In the past year, C C S E Credit Union has increased its total deposits by $2.01 million, resulting in 8.84% 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 C 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 C S E Credit Union has $27.59 million in assets with $2.89 million in equity, resulting in a capitalization level of 10.47%, which is above average.

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