Day-Met Credit Union

Day-Met Credit Union is headquartered in Dayton and is the 59^th largest credit union in the state of Ohio. It is also the 1,516^st largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 30 employees and 9,883 members. Day-Met Credit Union has a 4-star health rating.

Day-Met Credit Union Routing Number: 242278247

Data for Q4 2011

Institution Statistics DAY-MET NCUA # 60885 BankRate Report View Year Chartered 1957 Employees 30 Primary Regulator Assets and Liabilities Assets $90.22 million Loans $44.74 million Deposits $79.10 million Equity Capital $10.23 million Loan Loss Allowance $809,000 Unbacked Noncurrent Loans $1.07 million Historic Data - December 2010 Assets $86.74 million Equity Capital $10.04 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.12 million Profit Margin - Quarterly Net Interest Margin 4.68% Return on Assets 0% Return on Equity 0.02% Interest Income $3.35 million Non-Interest Income $1.06 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 Day-Met Credit Union had $1.07 million in non-current loans and owned real-estate with $11.04 million in equity and loan loss allowances on hand to cover it. This gives Day-Met Credit Union a Texas Ratio of 9.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Day-Met Credit Union held steady from 10.03% as of December 31, 2010 to 9.68% as of December 31, 2011, resulting in a positive change of 3.43%.This indicates that the balance sheet and financial strength for Day-Met Credit Union has held steady in recent periods. Deposit Growth In the past year, Day-Met Credit Union has increased its total deposits by $3.14 million, resulting in 4.13% 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 Day-Met 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. Day-Met Credit Union has $90.22 million in assets with $11.04 million in equity, resulting in a capitalization level of 12.24%, which is excellent.

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