Community & Teachers Credit Union

Community & Teachers Credit Union is headquartered in East Providence and is the 15^st largest credit union in the state of Rhode Island. It is also the 3,547^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 5 employees and 2,390 members. Community & Teachers Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics COMMUNITY & TEACHERS NCUA # 24730 BankRate Report View Year Chartered 1961 Employees 5 Primary Regulator Assets and Liabilities Assets $20.09 million Loans $15.19 million Deposits $18.13 million Equity Capital $1.86 million Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $42,000 Historic Data - December 2010 Assets $19.92 million Equity Capital $1.82 million Loan Loss Allowance $36,000 Unbacked Noncurrent Loans $20,000 Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 0.19% Return on Equity 2.1% Interest Income $841,000 Non-Interest Income $108,000

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 Community & Teachers Credit Union had $42,000 in non-current loans and owned real-estate with $1.88 million in equity and loan loss allowances on hand to cover it. This gives Community & Teachers Credit Union a Texas Ratio of 2.24% 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 Community & Teachers Credit Union held steady from 1.08% as of December 31, 2010 to 2.24% as of December 31, 2011, resulting in a negative change of 107.76%. This indicates that the balance sheet and financial strength for Community & Teachers Credit Union has held steady in recent periods. Deposit Growth In the past year, Community & Teachers Credit Union has increased its total deposits by $183,000, resulting in 1.02% 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 Community & Teachers 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. Community & Teachers Credit Union has $20.09 million in assets with $1.88 million in equity, resulting in a capitalization level of 9.34%, which is average.

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