Collegedale Credit Union

Collegedale Credit Union is headquartered in COLLEGEDALE and is the 54^th largest credit union in the state of Tennessee. It is also the 2,611^st largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 14 employees and 5,270 members. Collegedale Credit Union's savings rates are 94% higher than the national average, and it has a 4-star health rating.

Collegedale Credit Union Routing Number: 261389036

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Data for Q4 2011

Institution Statistics COLLEGEDALE NCUA # 68167 BankRate Report View Year Chartered 1952 Employees 14 Primary Regulator Assets and Liabilities Assets $37.61 million Loans $19.74 million Deposits $34.03 million Equity Capital $3.43 million Loan Loss Allowance $101,000 Unbacked Noncurrent Loans $206,000 Real Estate Owned $122,000 Historic Data - December 2010 Assets $33.64 million Equity Capital $3.35 million Loan Loss Allowance $104,000 Unbacked Noncurrent Loans $232,000 Real Estate Owned $448,000 Profit Margin - Quarterly Net Interest Margin 6.05% Return on Assets 0.22% Return on Equity 2.39% Interest Income $1.30 million Non-Interest Income $419,000

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 Collegedale Credit Union had $328,000 in non-current loans and owned real-estate with $3.54 million in equity and loan loss allowances on hand to cover it. This gives Collegedale Credit Union a Texas Ratio of 9.28% 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 Collegedale Credit Union decreased significantly from 19.68% as of December 31, 2010 to 9.28% as of December 31, 2011, resulting in a positive change of 52.84%.This indicates that the balance sheet and financial strength for Collegedale Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Collegedale Credit Union has increased its total deposits by $3.93 million, resulting in 13.05% 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 Collegedale 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. Collegedale Credit Union has $37.61 million in assets with $3.54 million in equity, resulting in a capitalization level of 9.40%, which is average.

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