Commonwealth Utilities Employees Credit Union

Commonwealth Utilities Employees Credit Union is headquartered in Marion and is the 77^th largest credit union in the state of Massachusetts. It is also the 2,442^nd largest credit union in the nation. It was established in 1926 and as of December of 2011, it had grown to 3 employees and 2,524 members. Commonwealth Utilities Employees Credit Union's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

Commonwealth Utilities Employees Credit Union Checking Account Rates

Commonwealth Utilities Employees Credit Union Savings Account Rates

Commonwealth Utilities Employees Credit Union CD Rates

Commonwealth Utilities Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics COMMONWEALTH UTILITIES EMPLOYEES NCUA # 67846 BankRate Report View Year Chartered 1926 Employees 3 Primary Regulator Assets and Liabilities Assets $43.12 million Loans $15.32 million Deposits $37.44 million Equity Capital $5.67 million Loan Loss Allowance $402,000 Unbacked Noncurrent Loans $447,000 Historic Data - December 2010 Assets $42.29 million Equity Capital $5.44 million Loan Loss Allowance $291,000 Unbacked Noncurrent Loans $683,000 Profit Margin - Quarterly Net Interest Margin 6.67% Return on Assets 0.36% Return on Equity 2.71% Interest Income $1.75 million Non-Interest Income $64,000

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 Commonwealth Utilities Employees Credit Union had $447,000 in non-current loans and owned real-estate with $6.08 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth Utilities Employees Credit Union a Texas Ratio of 7.36% 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 Commonwealth Utilities Employees Credit Union decreased slightly from 11.91% as of December 31, 2010 to 7.36% as of December 31, 2011, resulting in a positive change of 38.25%.This indicates that the balance sheet and financial strength for Commonwealth Utilities Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Commonwealth Utilities Employees Credit Union has increased its total deposits by $602,000, resulting in 1.63% 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 Commonwealth Utilities Employees 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. Commonwealth Utilities Employees Credit Union has $43.12 million in assets with $6.08 million in equity, resulting in a capitalization level of 14.09%, which is excellent.

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