Country Credit Union

Country Credit Union is headquartered in Macclenny and is the 83^rd largest credit union in the state of Florida. It is also the 2,245^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 25 employees and 4,649 members. Country Credit Union's savings rates are 3X the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics COUNTRY NCUA # 18288 BankRate Report View Year Chartered 1967 Employees 25 Primary Regulator Assets and Liabilities Assets $49.72 million Loans $31.86 million Deposits $45.47 million Equity Capital $3.98 million Loan Loss Allowance $491,000 Unbacked Noncurrent Loans $1.04 million Real Estate Owned $542,000 Historic Data - December 2010 Assets $44.77 million Equity Capital $3.92 million Loan Loss Allowance $475,000 Unbacked Noncurrent Loans $1.02 million Real Estate Owned $412,000 Profit Margin - Quarterly Net Interest Margin 6.19% Return on Assets 0.11% Return on Equity 1.41% Interest Income $2.66 million Non-Interest Income $739,000

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 Country Credit Union had $1.58 million in non-current loans and owned real-estate with $4.47 million in equity and loan loss allowances on hand to cover it. This gives Country Credit Union a Texas Ratio of 35.31% 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 Country Credit Union held steady from 32.45% as of December 31, 2010 to 35.31% as of December 31, 2011, resulting in a negative change of 8.80%. This indicates that the balance sheet and financial strength for Country Credit Union has held steady in recent periods. Deposit Growth In the past year, Country Credit Union has increased its total deposits by $4.76 million, resulting in 11.68% 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 Country 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. Country Credit Union has $49.72 million in assets with $4.47 million in equity, resulting in a capitalization level of 8.99%, which is average.

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