Chattanooga Coca-Cola Employees Credit Union

Chattanooga Coca-Cola Employees Credit Union is headquartered in CHATTANOOGA and is the 170^th largest credit union in the state of Tennessee. It is also the 6,806^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 1 employees and 477 members. Chattanooga Coca-Cola Employees Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics CHATTANOOGA COCA-COLA EMPLOYEES NCUA # 24510 BankRate Report View Year Chartered 1958 Employees 1 Primary Regulator Assets and Liabilities Assets $793,000 Loans $364,000 Deposits $604,000 Equity Capital $186,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $60,000 Historic Data - December 2010 Assets $725,000 Equity Capital $199,000 Loan Loss Allowance $13,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 9.72% Return on Assets -1.51% Return on Equity -6.45% Interest Income $35,000 Non-Interest Income $5,000

Institution Health Overall Score: 3 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 Chattanooga Coca-Cola Employees Credit Union had $60,000 in non-current loans and owned real-estate with $200,000 in equity and loan loss allowances on hand to cover it. This gives Chattanooga Coca-Cola Employees Credit Union a Texas Ratio of 30.00% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Chattanooga Coca-Cola Employees Credit Union increased slightly from 1.89% as of December 31, 2010 to 30.00% as of December 31, 2011, resulting in a negative change of 1,490.00%. This indicates that the balance sheet and financial strength for Chattanooga Coca-Cola Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Chattanooga Coca-Cola Employees Credit Union has increased its total deposits by $81,000, resulting in 15.49% 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 Chattanooga Coca-Cola Employees 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. Chattanooga Coca-Cola Employees Credit Union has $793,000 in assets with $200,000 in equity, resulting in a capitalization level of 25.22%, which is excellent.

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