Century Credit Union

Century Credit Union is headquartered in CLEVELAND and is the 14^st largest credit union in the state of Ohio. It is also the 614^st largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 64 employees and 25,986 members. Century Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Century Credit Union Savings Account Rates

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Century Credit Union IRA Rates

Data for Q4 2011

Institution Statistics CENTURY NCUA # 5852 BankRate Report View Year Chartered 1948 Employees 64 Primary Regulator Assets and Liabilities Assets $314.96 million Loans $197.86 million Deposits $285.59 million Equity Capital $27.74 million Loan Loss Allowance $2.13 million Unbacked Noncurrent Loans $1.47 million Historic Data - December 2010 Assets $312.47 million Equity Capital $24.78 million Loan Loss Allowance $1.56 million Unbacked Noncurrent Loans $1.46 million Profit Margin - Quarterly Net Interest Margin 4.65% Return on Assets 0.89% Return on Equity 10.13% Interest Income $11.73 million Non-Interest Income $2.62 million

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 Century Credit Union had $1.47 million in non-current loans and owned real-estate with $29.87 million in equity and loan loss allowances on hand to cover it. This gives Century Credit Union a Texas Ratio of 4.91% 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 Century Credit Union held steady from 5.54% as of December 31, 2010 to 4.91% as of December 31, 2011, resulting in a positive change of 11.46%.This indicates that the balance sheet and financial strength for Century Credit Union has held steady in recent periods. Deposit Growth In the past year, Century Credit Union has decreased its total deposits by -$1.06 million, resulting in -0.37% 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 Century 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. Century Credit Union has $314.96 million in assets with $29.87 million in equity, resulting in a capitalization level of 9.48%, which is average.

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