Combined Credit Union

Combined Credit Union is headquartered in HOT SPRINGS and is the 38^th largest credit union in the state of Arkansas. It is also the 5,158^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 6 employees and 2,441 members. Combined Credit Union has a 3-star health rating.

Combined Credit Union CD Rates

Data for Q4 2011

Institution Statistics COMBINED NCUA # 18474 BankRate Report View Year Chartered 1967 Employees 6 Primary Regulator Assets and Liabilities Assets $6.86 million Loans $5.10 million Deposits $5.81 million Equity Capital $1.04 million Loan Loss Allowance $137,000 Unbacked Noncurrent Loans $300,000 Historic Data - December 2010 Assets $7.95 million Equity Capital $1.18 million Loan Loss Allowance $98,000 Unbacked Noncurrent Loans $309,000 Profit Margin - Quarterly Net Interest Margin 9.65% Return on Assets -2.07% Return on Equity -13.61% Interest Income $576,000 Non-Interest Income $162,000

Institution Health Overall Score: 3 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 Combined Credit Union had $300,000 in non-current loans and owned real-estate with $1.18 million in equity and loan loss allowances on hand to cover it. This gives Combined Credit Union a Texas Ratio of 25.42% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Combined Credit Union held steady from 24.16% as of December 31, 2010 to 25.42% as of December 31, 2011, resulting in a negative change of 5.23%. This indicates that the balance sheet and financial strength for Combined Credit Union has held steady in recent periods. Deposit Growth In the past year, Combined Credit Union has decreased its total deposits by $-939,000, resulting in -13.92% 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 Combined Credit Union has shown is poor. 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. Combined Credit Union has $6.86 million in assets with $1.18 million in equity, resulting in a capitalization level of 17.20%, which is excellent.

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