Central Credit Union Of Florida

Central Credit Union Of Florida is headquartered in PENSACOLA and is the 53^rd largest credit union in the state of Florida. It is also the 1,300^th largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 59 employees and 13,176 members. Central Credit Union Of Florida's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics CENTRAL CREDIT UNION OF FLORIDA NCUA # 62417 BankRate Report View Year Chartered 1962 Employees 59 Primary Regulator Assets and Liabilities Assets $114.71 million Loans $60.71 million Deposits $100.45 million Equity Capital $13.27 million Loan Loss Allowance $600,000 Unbacked Noncurrent Loans $722,000 Historic Data - December 2010 Assets $110.95 million Equity Capital $12.33 million Loan Loss Allowance $738,000 Unbacked Noncurrent Loans $515,000 Profit Margin - Quarterly Net Interest Margin 6.68% Return on Assets 0.9% Return on Equity 7.82% Interest Income $4.55 million Non-Interest Income $2.99 million

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 Central Credit Union Of Florida had $722,000 in non-current loans and owned real-estate with $13.87 million in equity and loan loss allowances on hand to cover it. This gives Central Credit Union Of Florida a Texas Ratio of 5.20% 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 Central Credit Union Of Florida held steady from 3.94% as of December 31, 2010 to 5.20% as of December 31, 2011, resulting in a negative change of 32.04%. This indicates that the balance sheet and financial strength for Central Credit Union Of Florida has held steady in recent periods. Deposit Growth In the past year, Central Credit Union Of Florida has increased its total deposits by $2.6 million, resulting in 2.65% 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 Central Credit Union Of Florida has shown is above 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. Central Credit Union Of Florida has $114.7 million in assets with $13.87 million in equity, resulting in a capitalization level of 12.09%, which is excellent.

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