Communicating Arts CU (OH)

Communicating Arts CU (OH) is headquartered in Cincinnati and is the 89^th largest credit union in the state of Ohio. It is also the 2,156^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 14 employees and 6,172 members. Communicating Arts CU (OH)'s savings rates are 4X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics COMMUNICATING ARTS NCUA # 96690 BankRate Report View Year Chartered 1939 Employees 14 Primary Regulator Assets and Liabilities Assets $53.69 million Loans $27.50 million Deposits $46.13 million Equity Capital $6.87 million Loan Loss Allowance $281,000 Unbacked Noncurrent Loans $800,000 Real Estate Owned $44,000 Historic Data - December 2010 Assets $49.83 million Equity Capital $6.62 million Loan Loss Allowance $432,000 Unbacked Noncurrent Loans $648,000 Real Estate Owned $102,000 Profit Margin - Quarterly Net Interest Margin 6.97% Return on Assets 0.45% Return on Equity 3.55% Interest Income $2.31 million Non-Interest Income $616,000

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 Communicating Arts CU (OH) had $844,000 in non-current loans and owned real-estate with $7.15 million in equity and loan loss allowances on hand to cover it. This gives Communicating Arts CU (OH) a Texas Ratio of 11.81% 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 Communicating Arts CU (OH) held steady from 10.63% as of December 31, 2010 to 11.81% as of December 31, 2011, resulting in a negative change of 11.07%. This indicates that the balance sheet and financial strength for Communicating Arts CU (OH) has held steady in recent periods. Deposit Growth In the past year, Communicating Arts CU (OH) has increased its total deposits by $3.76 million, resulting in 8.86% 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 Communicating Arts CU (OH) 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. Communicating Arts CU (OH) has $53.69 million in assets with $7.15 million in equity, resulting in a capitalization level of 13.31%, which is excellent.

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