Central Vermont Medical Center,Inc. Credit Union

Central Vermont Medical Center,Inc. Credit Union is headquartered in Barre and is the 19^st largest credit union in the state of Vermont. It is also the 4,701^st largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 3 employees and 1,596 members. Central Vermont Medical Center,Inc. Credit Union's savings rates are 94% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics CENTRAL VERMONT MEDICAL CENTER,INC. NCUA # 65090 BankRate Report View Year Chartered 1970 Employees 3 Primary Regulator Assets and Liabilities Assets $9.36 million Loans $5.68 million Deposits $8.16 million Equity Capital $1.17 million Loan Loss Allowance $87,000 Unbacked Noncurrent Loans $228,000 Historic Data - December 2010 Assets $8.52 million Equity Capital $1,000,000 Loan Loss Allowance $44,000 Unbacked Noncurrent Loans $168,000 Profit Margin - Quarterly Net Interest Margin 8.82% Return on Assets 1.77% Return on Equity 14.22% Interest Income $530,000 Non-Interest Income $117,000

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 Central Vermont Medical Center,Inc. Credit Union had $228,000 in non-current loans and owned real-estate with $1.25 million in equity and loan loss allowances on hand to cover it. This gives Central Vermont Medical Center,Inc. Credit Union a Texas Ratio of 18.18% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Vermont Medical Center,Inc. Credit Union held steady from 16.09% as of December 31, 2010 to 18.18% as of December 31, 2011, resulting in a negative change of 12.99%. This indicates that the balance sheet and financial strength for Central Vermont Medical Center,Inc. Credit Union has held steady in recent periods. Deposit Growth In the past year, Central Vermont Medical Center,Inc. Credit Union has increased its total deposits by $670,000, resulting in 8.94% 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 Vermont Medical Center,Inc. 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 Vermont Medical Center,Inc. Credit Union has $9.36 million in assets with $1.25 million in equity, resulting in a capitalization level of 13.40%, which is excellent.

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