Clarence Community & Schools Credit Union

Clarence Community & Schools Credit Union is headquartered in Clarence and is the 201^st largest credit union in the state of New York. It is also the 4,026^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 2,655 members. Clarence Community & Schools Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics CLARENCE COMMUNITY & SCHOOLS NCUA # 9812 BankRate Report View Year Chartered 1954 Employees 6 Primary Regulator Assets and Liabilities Assets $14.62 million Loans $8.22 million Deposits $12.97 million Equity Capital $1.63 million Loan Loss Allowance $37,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $13.22 million Equity Capital $1.63 million Loan Loss Allowance $40,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 5.72% Return on Assets -0.03% Return on Equity -0.25% Interest Income $557,000 Non-Interest Income $125,000

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 Clarence Community & Schools Credit Union had $1,000 in non-current loans and owned real-estate with $1.67 million in equity and loan loss allowances on hand to cover it. This gives Clarence Community & Schools Credit Union a Texas Ratio of 0.06% 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 Clarence Community & Schools Credit Union decreased significantly from 0.24% as of December 31, 2010 to 0.06% as of December 31, 2011, resulting in a positive change of 74.93%.This indicates that the balance sheet and financial strength for Clarence Community & Schools Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Clarence Community & Schools Credit Union has increased its total deposits by $1.38 million, resulting in 11.93% 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 Clarence Community & Schools 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. Clarence Community & Schools Credit Union has $14.62 million in assets with $1.67 million in equity, resulting in a capitalization level of 11.41%, which is above average.

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