Chief Financial Credit Union

Chief Financial Credit Union is headquartered in Pontiac and is the 78^th largest credit union in the state of Michigan. It is also the 1,323^rd largest credit union in the nation. It was established in 1941 and as of December of 2012, it had grown to 35 employees and 20,268 members. Chief Financial Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics CHIEF FINANCIAL NCUA # 4271 BankRate Report View Year Chartered 1941 Employees 35 Primary Regulator Assets and Liabilities Assets $116.60 million Loans $91.60 million Deposits $102.09 million Equity Capital $13.66 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $1.11 million Real Estate Owned $223,000 Historic Data - December 2011 Assets $105.25 million Equity Capital $12.36 million Loan Loss Allowance $2.33 million Unbacked Noncurrent Loans $1.18 million Real Estate Owned $85,000 Profit Margin - Quarterly Net Interest Margin 5.04% Return on Assets 1.15% Return on Equity 9.79% Interest Income $5.25 million Non-Interest Income $2.39 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, 2012 Chief Financial Credit Union had $1.34 million in non-current loans and owned real-estate with $15.63 million in equity and loan loss allowances on hand to cover it. This gives Chief Financial Credit Union a Texas Ratio of 8.54% 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 Chief Financial Credit Union held steady from 8.61% as of December 31, 2011 to 8.54% as of December 31, 2012, resulting in a positive change of 0.77%.This indicates that the balance sheet and financial strength for Chief Financial Credit Union has held steady in recent periods. Deposit Growth In the past year, Chief Financial Credit Union has increased its total deposits by $9.82 million, resulting in 10.65% 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 Chief Financial 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. Chief Financial Credit Union has $116.6 million in assets with $15.63 million in equity, resulting in a capitalization level of 13.40%, which is excellent.

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