Darden Employees Federal Credit Union

Darden Employees Federal Credit Union is headquartered in Orlando and is the 119^st largest credit union in the state of Florida. It is also the 3,458^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 20 employees and 5,373 members. Darden Employees Federal Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics DARDEN EMPLOYEES NCUA # 18327 BankRate Report View Year Chartered 1967 Employees 20 Primary Regulator Assets and Liabilities Assets $21.35 million Loans $17.97 million Deposits $19.26 million Equity Capital $1.34 million Loan Loss Allowance $353,000 Unbacked Noncurrent Loans $322,000 Real Estate Owned $80,000 Historic Data - December 2010 Assets $11.56 million Equity Capital $717,000 Loan Loss Allowance $428,000 Unbacked Noncurrent Loans $1.14 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 2.9% Return on Equity 46.37% Interest Income $940,000 Non-Interest Income $2.13 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 Darden Employees Federal Credit Union had $402,000 in non-current loans and owned real-estate with $1.69 million in equity and loan loss allowances on hand to cover it. This gives Darden Employees Federal Credit Union a Texas Ratio of 23.79% 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 Darden Employees Federal Credit Union decreased significantly from 99.30% as of December 31, 2010 to 23.79% as of December 31, 2011, resulting in a positive change of 76.05%.This indicates that the balance sheet and financial strength for Darden Employees Federal Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Darden Employees Federal Credit Union has increased its total deposits by $8.46 million, resulting in 78.37% 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 Darden Employees Federal 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. Darden Employees Federal Credit Union has $21.35 million in assets with $1.69 million in equity, resulting in a capitalization level of 7.92%, which is below average.

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