Central Florida Educators Credit Union

Central Florida Educators Credit Union is headquartered in Lake Mary and is the 9^th largest credit union in the state of Florida. It is also the 131^st largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 341 employees and 121,171 members. Central Florida Educators Credit Union's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics CENTRAL FLORIDA EDUCATORS NCUA # 1976 BankRate Report View Year Chartered 1937 Employees 341 Primary Regulator Assets and Liabilities Assets $1.29 billion Loans $474.76 million Deposits $1.07 billion Equity Capital $161.90 million Loan Loss Allowance $13.67 million Unbacked Noncurrent Loans $19.13 million Real Estate Owned $2.34 million Historic Data - December 2010 Assets $1.17 billion Equity Capital $145.14 million Loan Loss Allowance $16.92 million Unbacked Noncurrent Loans $18.18 million Real Estate Owned $343,000 Profit Margin - Quarterly Net Interest Margin 5.12% Return on Assets 0.56% Return on Equity 4.49% Interest Income $44.25 million Non-Interest Income $20.38 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 Florida Educators Credit Union had $21.46 million in non-current loans and owned real-estate with $175.57 million in equity and loan loss allowances on hand to cover it. This gives Central Florida Educators Credit Union a Texas Ratio of 12.22% 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 Central Florida Educators Credit Union held steady from 11.43% as of December 31, 2010 to 12.22% as of December 31, 2011, resulting in a negative change of 6.96%. This indicates that the balance sheet and financial strength for Central Florida Educators Credit Union has held steady in recent periods. Deposit Growth In the past year, Central Florida Educators Credit Union has increased its total deposits by $117.44 million, resulting in 12.29% 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 Florida Educators 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. Central Florida Educators Credit Union has $1.29 billion in assets with $175.57 million in equity, resulting in a capitalization level of 13.60%, which is excellent.

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