Community Trust Credit Union

Community Trust Credit Union is headquartered in Apopka and is the 144^th largest credit union in the state of Florida. It is also the 5,220^th largest credit union in the nation. It was established in 1982 and as of December of 2012, it had grown to 3 employees and 2,548 members. Community Trust Credit Union has a 4-star health rating.

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Data for Q4 2012

Institution Statistics COMMUNITY TRUST NCUA # 23948 BankRate Report View Year Chartered 1982 Employees 3 Primary Regulator Assets and Liabilities Assets $6.02 million Loans $3.51 million Deposits $5.52 million Equity Capital $447,000 Secondary Capital $20,000 Loan Loss Allowance $55,000 Unbacked Noncurrent Loans $102,000 Historic Data - December 2011 Assets $5.59 million Equity Capital $432,000 Loan Loss Allowance $126,000 Unbacked Noncurrent Loans $86,000 Profit Margin - Quarterly Net Interest Margin 6.84% Return on Assets 0.25% Return on Equity 3.36% Interest Income $250,000 Non-Interest Income $72,000

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, 2012 Community Trust Credit Union had $102,000 in non-current loans and owned real-estate with $522,000 in equity and loan loss allowances on hand to cover it. This gives Community Trust Credit Union a Texas Ratio of 19.54% 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 Community Trust Credit Union held steady from 15.41% as of December 31, 2011 to 19.54% as of December 31, 2012, resulting in a negative change of 26.78%. This indicates that the balance sheet and financial strength for Community Trust Credit Union has held steady in recent periods. Deposit Growth In the past year, Community Trust Credit Union has increased its total deposits by $421,000, resulting in 8.26% 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 $6.02 million in assets with $502,000 in equity, resulting in a capitalization level of 8.34%, which is average.

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