Cit-Co Credit Union

Cit-Co Credit Union is headquartered in SHERIDAN and is the 23^rd largest credit union in the state of Wyoming. It is also the 4,457^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 4 employees and 1,828 members. Cit-Co Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics CIT-CO NCUA # 9644 BankRate Report View Year Chartered 1954 Employees 4 Primary Regulator Assets and Liabilities Assets $11.01 million Loans $7.66 million Deposits $10.15 million Equity Capital $809,000 Loan Loss Allowance $46,000 Unbacked Noncurrent Loans $22,000 Historic Data - December 2010 Assets $10.62 million Equity Capital $747,000 Loan Loss Allowance $35,000 Profit Margin - Quarterly Net Interest Margin 5.42% Return on Assets 0.54% Return on Equity 7.42% Interest Income $480,000 Non-Interest Income $159,000

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 Cit-Co Credit Union had $22,000 in non-current loans and owned real-estate with $855,000 in equity and loan loss allowances on hand to cover it. This gives Cit-Co Credit Union a Texas Ratio of 2.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Cit-Co Credit Union has increased its total deposits by $347,000, resulting in 3.54% 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 Cit-Co 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. Cit-Co Credit Union has $11.01 million in assets with $855,000 in equity, resulting in a capitalization level of 7.76%, which is below average.

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