Centra Health Credit Union Inc.

Centra Health Credit Union Inc. is headquartered in Lynchburg and is the 118^st largest credit union in the state of Virginia. It is also the 4,957^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 2 employees and 2,748 members. Centra Health Credit Union Inc.'s CD rates are 67% higher than the national average, and it boasts a 5-star health rating.

Centra Health Credit Union Inc. CD Rates

Data for Q4 2011

Institution Statistics CENTRA HEALTH CREDIT UNION INC. NCUA # 66937 BankRate Report View Year Chartered 1965 Employees 2 Primary Regulator Assets and Liabilities Assets $7.89 million Loans $2.59 million Deposits $6.29 million Equity Capital $1.60 million Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $132,000 Historic Data - December 2010 Assets $7.22 million Equity Capital $1.55 million Loan Loss Allowance $40,000 Unbacked Noncurrent Loans $147,000 Profit Margin - Quarterly Net Interest Margin 7.24% Return on Assets 0.58% Return on Equity 2.88% Interest Income $265,000 Non-Interest Income $15,000

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 Centra Health Credit Union Inc. had $132,000 in non-current loans and owned real-estate with $1.62 million in equity and loan loss allowances on hand to cover it. This gives Centra Health Credit Union Inc. a Texas Ratio of 8.17% 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 Centra Health Credit Union Inc. held steady from 9.23% as of December 31, 2010 to 8.17% as of December 31, 2011, resulting in a positive change of 11.48%.This indicates that the balance sheet and financial strength for Centra Health Credit Union Inc. has held steady in recent periods. Deposit Growth In the past year, Centra Health Credit Union Inc. has increased its total deposits by $627,000, resulting in 11.07% 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 Centra Health Credit Union Inc. 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. Centra Health Credit Union Inc. has $7.89 million in assets with $1.62 million in equity, resulting in a capitalization level of 20.48%, which is excellent.

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