Co-Operative Credit Union

Co-Operative Credit Union is headquartered in WOODRIDGE and is the 216^st largest credit union in the state of New York. It is also the 4,177^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to employees and 980 members. Co-Operative Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics CO-OPERATIVE NCUA # 1134 BankRate Report View Year Chartered 1936 Employees 0 Primary Regulator Assets and Liabilities Assets $13.30 million Loans $3.00 million Deposits $12.33 million Equity Capital $970,000 Loan Loss Allowance $64,000 Unbacked Noncurrent Loans $30,000 Real Estate Owned $114,000 Historic Data - December 2010 Assets $14.40 million Equity Capital $1.05 million Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $21,000 Profit Margin - Quarterly Net Interest Margin 2.51% Return on Assets -0.62% Return on Equity -8.45% Interest Income $213,000 Non-Interest Income $1,000

Institution Health Overall Score: 3 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 Co-Operative Credit Union had $144,000 in non-current loans and owned real-estate with $1.03 million in equity and loan loss allowances on hand to cover it. This gives Co-Operative Credit Union a Texas Ratio of 13.93% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Co-Operative Credit Union increased slightly from 1.96% as of December 31, 2010 to 13.93% as of December 31, 2011, resulting in a negative change of 610.91%. This indicates that the balance sheet and financial strength for Co-Operative Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Co-Operative Credit Union has decreased its total deposits by -$1 million, resulting in -7.52% 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 Co-Operative 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. Co-Operative Credit Union has $13.3 million in assets with $1.03 million in equity, resulting in a capitalization level of 7.78%, which is below average.

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