Core CU (GA)

Core CU (GA) is headquartered in STATESBORO and is the 40^th largest credit union in the state of Georgia. It is also the 2,265^th largest credit union in the nation. It was established in 1991 and as of December of 2011, it had grown to 22 employees and 7,692 members. Core CU (GA) has a 4-star health rating.

Core CU (GA) Checking Account Rates

Core CU (GA) Savings Account Rates

Core CU (GA) CD Rates

Data for Q4 2011

Institution Statistics CORE NCUA # 67371 BankRate Report View Year Chartered 1991 Employees 22 Primary Regulator Assets and Liabilities Assets $48.91 million Loans $40.13 million Deposits $44.41 million Equity Capital $3.70 million Loan Loss Allowance $616,000 Unbacked Noncurrent Loans $1,000,000 Real Estate Owned $161,000 Historic Data - December 2010 Assets $44.50 million Equity Capital $3.30 million Loan Loss Allowance $566,000 Unbacked Noncurrent Loans $833,000 Real Estate Owned $101,000 Profit Margin - Quarterly Net Interest Margin 7.15% Return on Assets 0.82% Return on Equity 10.88% Interest Income $2.94 million Non-Interest Income $739,000

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, 2011 Core CU (GA) had $1.16 million in non-current loans and owned real-estate with $4.32 million in equity and loan loss allowances on hand to cover it. This gives Core CU (GA) a Texas Ratio of 26.88% 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 Core CU (GA) held steady from 24.15% as of December 31, 2010 to 26.88% as of December 31, 2011, resulting in a negative change of 11.27%. This indicates that the balance sheet and financial strength for Core CU (GA) has held steady in recent periods. Deposit Growth In the past year, Core CU (GA) has increased its total deposits by $3.69 million, resulting in 9.06% 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 Core CU (GA) 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. Core CU (GA) has $48.91 million in assets with $4.32 million in equity, resulting in a capitalization level of 8.83%, which is average.

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