Crescent CU (MA)

Crescent CU (MA) is headquartered in Brockton and is the 24^th largest credit union in the state of Massachusetts. It is also the 480^th largest credit union in the nation. It was established in 1919 and as of December of 2011, it had grown to 98 employees and 45,959 members. Crescent CU (MA) has a 5-star health rating.

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Data for Q4 2011

Institution Statistics CRESCENT NCUA # 68048 BankRate Report View Year Chartered 1919 Employees 98 Primary Regulator Assets and Liabilities Assets $405.16 million Loans $330.06 million Deposits $298.29 million Equity Capital $48.64 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $1.88 million Historic Data - December 2010 Assets $389.85 million Equity Capital $47.12 million Loan Loss Allowance $2.62 million Unbacked Noncurrent Loans $2.11 million Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.37% Return on Equity 3.11% Interest Income $15.56 million Non-Interest Income $4.03 million

Institution Health Overall Score: 5 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 Crescent CU (MA) had $1.88 million in non-current loans and owned real-estate with $51.3 million in equity and loan loss allowances on hand to cover it. This gives Crescent CU (MA) a Texas Ratio of 3.66% 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 Crescent CU (MA) held steady from 4.25% as of December 31, 2010 to 3.66% as of December 31, 2011, resulting in a positive change of 13.78%.This indicates that the balance sheet and financial strength for Crescent CU (MA) has held steady in recent periods. Deposit Growth In the past year, Crescent CU (MA) has increased its total deposits by $7.74 million, resulting in 2.66% 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 Crescent CU (MA) 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. Crescent CU (MA) has $405.16 million in assets with $51.3 million in equity, resulting in a capitalization level of 12.66%, which is excellent.

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