Chen-Del-O Credit Union

Chen-Del-O Credit Union is headquartered in FRANKLIN and is the 172^nd largest credit union in the state of New York. It is also the 3,365^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 6 employees and 3,853 members. Chen-Del-O Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Chen-Del-O Credit Union IRA Rates

Data for Q4 2011

Institution Statistics CHEN-DEL-O NCUA # 9517 BankRate Report View Year Chartered 1954 Employees 6 Primary Regulator Assets and Liabilities Assets $22.65 million Loans $10.30 million Deposits $19.93 million Equity Capital $2.30 million Loan Loss Allowance $109,000 Unbacked Noncurrent Loans $98,000 Historic Data - December 2010 Assets $22.15 million Equity Capital $2.32 million Loan Loss Allowance $99,000 Unbacked Noncurrent Loans $71,000 Profit Margin - Quarterly Net Interest Margin 6.23% Return on Assets 0.23% Return on Equity 2.22% Interest Income $852,000 Non-Interest Income $101,000

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 Chen-Del-O Credit Union had $98,000 in non-current loans and owned real-estate with $2.4 million in equity and loan loss allowances on hand to cover it. This gives Chen-Del-O Credit Union a Texas Ratio of 4.08% 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 Chen-Del-O Credit Union held steady from 2.93% as of December 31, 2010 to 4.08% as of December 31, 2011, resulting in a negative change of 39.00%. This indicates that the balance sheet and financial strength for Chen-Del-O Credit Union has held steady in recent periods. Deposit Growth In the past year, Chen-Del-O Credit Union has increased its total deposits by $412,000, resulting in 2.11% 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 Chen-Del-O Credit Union 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. Chen-Del-O Credit Union has $22.65 million in assets with $2.4 million in equity, resulting in a capitalization level of 10.61%, which is above average.

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