Community Trust Credit Union

Community Trust Credit Union is headquartered in Durham and is the 8^th largest credit union in the state of North Carolina. It is also the 485^th largest credit union in the nation. It was established in 2008 and as of September of 2011, it had grown to 126 employees and 45,325 members. Community Trust Credit Union's CD rates are 18% higher than the national average, but it has a 2-star health rating.

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Data for Q3 2011

Institution Statistics SELF-HELP NCUA # 24802 BankRate Report View Year Established 2008 Employees 126 Primary Regulator Assets and Liabilities Assets $396.24 million Loans $221.46 million Deposits $335.78 million Equity Capital $5.71 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $11.79 million Real Estate Owned $1.11 million Historic Data - September 2010 Assets $215.63 million Equity Capital $3.03 million Loan Loss Allowance $482,000 Unbacked Noncurrent Loans $2.92 million Real Estate Owned $55,000 Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.51% Return on Equity 35.11% Interest Income $11.79 million Non-Interest Income $2.81 million

Institution Health Overall Score: 2 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 September 30, 2011 Community Trust Credit Union had $12.89 million in non-current loans and owned real-estate with $6.74 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Credit Union a Texas Ratio of 191.40% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Trust Credit Union increased slightly from 84.60% as of September 30, 2010 to 191.40% as of September 30, 2011, resulting in a negative change of 126.26%. This indicates that the balance sheet and financial strength for Community Trust Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Community Trust Credit Union has increased its total deposits by $175.96 million, resulting in 110.11% 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 Trust 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. Community Trust Credit Union has $396.24 million in assets with $6.74 million in equity, resulting in a capitalization level of 1.70%, which is poor.

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