C-Plant Credit Union

C-Plant Credit Union is headquartered in Paducah and is the 12^st largest credit union in the state of Kentucky. It is also the 1,227^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 35 employees and 13,362 members. C-Plant Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics C-PLANT NCUA # 7524 BankRate Report View Year Chartered 1951 Employees 35 Primary Regulator Assets and Liabilities Assets $123.73 million Loans $88.08 million Deposits $110.67 million Equity Capital $12.60 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $2.69 million Real Estate Owned $216,000 Historic Data - December 2010 Assets $119.34 million Equity Capital $11.07 million Loan Loss Allowance $1.19 million Unbacked Noncurrent Loans $1.64 million Real Estate Owned $315,000 Profit Margin - Quarterly Net Interest Margin 4.72% Return on Assets 1.24% Return on Equity 12.15% Interest Income $5.24 million Non-Interest Income $2.25 million

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 C-Plant Credit Union had $2.9 million in non-current loans and owned real-estate with $13.9 million in equity and loan loss allowances on hand to cover it. This gives C-Plant Credit Union a Texas Ratio of 20.89% 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 C-Plant Credit Union held steady from 15.93% as of December 31, 2010 to 20.89% as of December 31, 2011, resulting in a negative change of 31.13%. This indicates that the balance sheet and financial strength for C-Plant Credit Union has held steady in recent periods. Deposit Growth In the past year, C-Plant Credit Union has increased its total deposits by $2.81 million, resulting in 2.61% 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 C-Plant Credit Union has shown is above average. 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. C-Plant Credit Union has $123.73 million in assets with $13.9 million in equity, resulting in a capitalization level of 11.23%, which is above average.

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