Consumers Credit Union

Consumers Credit Union is headquartered in BROOKLYN and is the 105^th largest credit union in the state of New York. It is also the 2,249^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 9 employees and 3,183 members. Consumers Credit Union has a 2-star health rating.

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Data for Q4 2011

Institution Statistics CONSUMERS NCUA # 16951 BankRate Report View Year Chartered 1965 Employees 9 Primary Regulator Assets and Liabilities Assets $49.61 million Loans $43.17 million Deposits $42.37 million Equity Capital $6.60 million Loan Loss Allowance $523,000 Unbacked Noncurrent Loans $2.49 million Real Estate Owned $294,000 Historic Data - December 2010 Assets $51.97 million Equity Capital $5.63 million Loan Loss Allowance $1.49 million Unbacked Noncurrent Loans $1.15 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 1.12% Return on Equity 8.43% Interest Income $2.52 million Non-Interest Income $366,000

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 December 31, 2011 Consumers Credit Union had $2.79 million in non-current loans and owned real-estate with $7.12 million in equity and loan loss allowances on hand to cover it. This gives Consumers Credit Union a Texas Ratio of 39.16% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Consumers Credit Union increased slightly from 16.12% as of December 31, 2010 to 39.16% as of December 31, 2011, resulting in a negative change of 142.96%. This indicates that the balance sheet and financial strength for Consumers Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Consumers Credit Union has decreased its total deposits by -$3.49 million, resulting in -7.61% 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 Consumers Credit Union has shown is poor. 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. Consumers Credit Union has $49.61 million in assets with $7.12 million in equity, resulting in a capitalization level of 14.35%, which is excellent.

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