Communicating Arts Credit Union

Communicating Arts Credit Union is headquartered in DETROIT and is the 174^th largest credit union in the state of Michigan. It is also the 2,802^nd largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 34 employees and 8,630 members. Communicating Arts Credit Union has a 4-star health rating.

Communicating Arts Credit Union Routing Number: 272078116

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Data for Q4 2011

Institution Statistics COMMUNICATING ARTS NCUA # 61495 BankRate Report View Year Chartered 1935 Employees 34 Primary Regulator Assets and Liabilities Assets $32.69 million Loans $22.09 million Deposits $26.68 million Equity Capital $4.79 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $1.01 million Historic Data - December 2010 Assets $29.99 million Equity Capital $4.55 million Loan Loss Allowance $603,000 Unbacked Noncurrent Loans $600,000 Profit Margin - Quarterly Net Interest Margin 9.41% Return on Assets 0.97% Return on Equity 6.6% Interest Income $2.30 million Non-Interest Income $3.64 million

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 Communicating Arts Credit Union had $1.01 million in non-current loans and owned real-estate with $5.82 million in equity and loan loss allowances on hand to cover it. This gives Communicating Arts Credit Union a Texas Ratio of 17.38% 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 Communicating Arts Credit Union increased slightly from 11.64% as of December 31, 2010 to 17.38% as of December 31, 2011, resulting in a negative change of 49.29%. This indicates that the balance sheet and financial strength for Communicating Arts Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Communicating Arts Credit Union has increased its total deposits by $2.26 million, resulting in 9.24% 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 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. Communicating Arts Credit Union has $32.68 million in assets with $5.82 million in equity, resulting in a capitalization level of 17.80%, which is excellent.

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