Calhoun-Liberty Employees Credit Union

Calhoun-Liberty Employees Credit Union is headquartered in Blountstown and is the 110^st largest credit union in the state of Florida. It is also the 3,064^th largest credit union in the nation. It was established in 1991 and as of December of 2011, it had grown to 15 employees and 4,416 members. Calhoun-Liberty Employees Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics CALHOUN-LIBERTY EMPLOYEES NCUA # 67431 BankRate Report View Year Chartered 1991 Employees 15 Primary Regulator Assets and Liabilities Assets $27.57 million Loans $13.53 million Deposits $23.28 million Equity Capital $4.24 million Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $234,000 Historic Data - December 2010 Assets $27.47 million Equity Capital $4.23 million Loan Loss Allowance $34,000 Unbacked Noncurrent Loans $108,000 Profit Margin - Quarterly Net Interest Margin 7.01% Return on Assets 0.04% Return on Equity 0.28% Interest Income $1.11 million Non-Interest Income $367,000

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 Calhoun-Liberty Employees Credit Union had $234,000 in non-current loans and owned real-estate with $4.28 million in equity and loan loss allowances on hand to cover it. This gives Calhoun-Liberty Employees Credit Union a Texas Ratio of 5.47% 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 Calhoun-Liberty Employees Credit Union held steady from 2.54% as of December 31, 2010 to 5.47% as of December 31, 2011, resulting in a negative change of 115.70%. This indicates that the balance sheet and financial strength for Calhoun-Liberty Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Calhoun-Liberty Employees Credit Union has increased its total deposits by $113,000, resulting in 0.49% 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 Calhoun-Liberty Employees Credit Union has shown is 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. Calhoun-Liberty Employees Credit Union has $27.57 million in assets with $4.28 million in equity, resulting in a capitalization level of 15.52%, which is excellent.

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