E & A Credit Union

E & A Credit Union is headquartered in PORT HURON and is the 42^nd largest credit union in the state of Michigan. It is also the 744^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 57 employees and 33,971 members. E & A Credit Union has a 4-star health rating.

E & A Credit Union Routing Number: 272483963

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Data for Q4 2011

Institution Statistics E & A NCUA # 61503 BankRate Report View Year Chartered 1935 Employees 57 Primary Regulator Assets and Liabilities Assets $244.72 million Loans $136.01 million Deposits $209.33 million Equity Capital $21.79 million Loan Loss Allowance $3.76 million Unbacked Noncurrent Loans $3.46 million Real Estate Owned $69,000 Historic Data - December 2010 Assets $221.37 million Equity Capital $18.95 million Loan Loss Allowance $3.63 million Unbacked Noncurrent Loans $3.52 million Real Estate Owned $111,000 Profit Margin - Quarterly Net Interest Margin 7.34% Return on Assets 1.12% Return on Equity 12.61% Interest Income $11.39 million Non-Interest Income $5.10 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 E & A Credit Union had $3.53 million in non-current loans and owned real-estate with $25.55 million in equity and loan loss allowances on hand to cover it. This gives E & A Credit Union a Texas Ratio of 13.82% 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 E & A Credit Union held steady from 16.07% as of December 31, 2010 to 13.82% as of December 31, 2011, resulting in a positive change of 14.00%.This indicates that the balance sheet and financial strength for E & A Credit Union has held steady in recent periods. Deposit Growth In the past year, E & A Credit Union has increased its total deposits by $11.18 million, resulting in 5.64% 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 E & A 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. E & A Credit Union has $244.72 million in assets with $25.55 million in equity, resulting in a capitalization level of 10.44%, which is above average.

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