Credit Union Advantage

Credit Union Advantage is headquartered in Southfield and is the 180^th largest credit union in the state of Michigan. It is also the 2,869^th largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 5 employees and 3,431 members. Credit Union Advantage has a 4-star health rating.

Credit Union Advantage Routing Number: 272485039

Credit Union Advantage Savings Account Rates

Credit Union Advantage Money Market Rates

Credit Union Advantage CD Rates

Data for Q4 2011

Institution Statistics CREDIT UNION ADVANTAGE NCUA # 62517 BankRate Report View Year Chartered 1969 Employees 5 Primary Regulator Assets and Liabilities Assets $31.33 million Loans $10.57 million Deposits $28.11 million Equity Capital $2.65 million Loan Loss Allowance $225,000 Unbacked Noncurrent Loans $63,000 Historic Data - December 2010 Assets $31.48 million Equity Capital $2.19 million Loan Loss Allowance $323,000 Unbacked Noncurrent Loans $137,000 Profit Margin - Quarterly Net Interest Margin 6.63% Return on Assets 1.39% Return on Equity 16.47% Interest Income $1.14 million Non-Interest Income $760,000

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 Credit Union Advantage had $63,000 in non-current loans and owned real-estate with $2.87 million in equity and loan loss allowances on hand to cover it. This gives Credit Union Advantage a Texas Ratio of 2.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Credit Union Advantage decreased significantly from 5.45% as of December 31, 2010 to 2.19% as of December 31, 2011, resulting in a positive change of 59.79%.This indicates that the balance sheet and financial strength for Credit Union Advantage has improved significantly in recent periods. Deposit Growth In the past year, Credit Union Advantage has decreased its total deposits by $-762,000, resulting in -2.64% 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 Credit Union Advantage has shown is below 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. Credit Union Advantage has $31.33 million in assets with $2.87 million in equity, resulting in a capitalization level of 9.17%, which is average.

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