Eaton Family Credit Union

Eaton Family Credit Union is headquartered in Euclid and is the 91^st largest credit union in the state of Ohio. It is also the 2,196^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 18 employees and 12,177 members. Eaton Family Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics EATON FAMILY NCUA # 68354 BankRate Report View Year Chartered 1937 Employees 18 Primary Regulator Assets and Liabilities Assets $52.11 million Loans $35.34 million Deposits $47.23 million Equity Capital $4.70 million Loan Loss Allowance $838,000 Unbacked Noncurrent Loans $669,000 Historic Data - December 2010 Assets $48.25 million Equity Capital $4.41 million Loan Loss Allowance $345,000 Unbacked Noncurrent Loans $626,000 Profit Margin - Quarterly Net Interest Margin 5.61% Return on Assets 0.17% Return on Equity 1.83% Interest Income $2.69 million Non-Interest Income $773,000

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 Eaton Family Credit Union had $669,000 in non-current loans and owned real-estate with $5.53 million in equity and loan loss allowances on hand to cover it. This gives Eaton Family Credit Union a Texas Ratio of 12.09% 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 Eaton Family Credit Union held steady from 13.18% as of December 31, 2010 to 12.09% as of December 31, 2011, resulting in a positive change of 8.27%.This indicates that the balance sheet and financial strength for Eaton Family Credit Union has held steady in recent periods. Deposit Growth In the past year, Eaton Family Credit Union has increased its total deposits by $3.51 million, resulting in 8.03% 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 Eaton Family 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. Eaton Family Credit Union has $52.11 million in assets with $5.53 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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