City-County Employees Credit Union

City-County Employees Credit Union is headquartered in CLEARWATER and is the 128^th largest credit union in the state of Florida. It is also the 3,944^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 6 employees and 2,115 members. City-County Employees Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

City-County Employees Credit Union Savings Account Rates

City-County Employees Credit Union CD Rates

Data for Q4 2011

Institution Statistics CITY-COUNTY EMPLOYEES NCUA # 67323 BankRate Report View Year Chartered 1941 Employees 6 Primary Regulator Assets and Liabilities Assets $15.33 million Loans $5.09 million Deposits $12.86 million Equity Capital $2.43 million Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $12,000 Historic Data - December 2010 Assets $14.53 million Equity Capital $2.43 million Loan Loss Allowance $45,000 Unbacked Noncurrent Loans $7,000 Profit Margin - Quarterly Net Interest Margin 5.84% Return on Assets -0.02% Return on Equity -0.12% Interest Income $506,000 Non-Interest Income $140,000

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 City-County Employees Credit Union had $12,000 in non-current loans and owned real-estate with $2.49 million in equity and loan loss allowances on hand to cover it. This gives City-County Employees Credit Union a Texas Ratio of 0.48% 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 City-County Employees Credit Union held steady from 0.28% as of December 31, 2010 to 0.48% as of December 31, 2011, resulting in a negative change of 70.60%. This indicates that the balance sheet and financial strength for City-County Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, City-County Employees Credit Union has increased its total deposits by $817,000, resulting in 6.79% 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 City-County 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. City-County Employees Credit Union has $15.33 million in assets with $2.49 million in equity, resulting in a capitalization level of 16.24%, which is excellent.

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