Ecusta

Ecusta is headquartered in PISGAH FOREST and is the 36^th largest credit union in the state of North Carolina. It is also the 2,264^th largest credit union in the nation. It was established in 1976 and as of December of 2011, it had grown to 14 employees and 7,243 members. Ecusta's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics ECUSTA NCUA # 63663 BankRate Report View Year Chartered 1976 Employees 14 Primary Regulator Assets and Liabilities Assets $48.94 million Loans $20.72 million Deposits $41.55 million Equity Capital $6.78 million Loan Loss Allowance $92,000 Unbacked Noncurrent Loans $270,000 Real Estate Owned $198,000 Historic Data - December 2010 Assets $50.58 million Equity Capital $6.72 million Loan Loss Allowance $134,000 Unbacked Noncurrent Loans $636,000 Profit Margin - Quarterly Net Interest Margin 6.15% Return on Assets 0.12% Return on Equity 0.9% Interest Income $1.97 million Non-Interest Income $332,000

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 Ecusta had $468,000 in non-current loans and owned real-estate with $6.88 million in equity and loan loss allowances on hand to cover it. This gives Ecusta a Texas Ratio of 6.81% 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 Ecusta decreased slightly from 9.28% as of December 31, 2010 to 6.81% as of December 31, 2011, resulting in a positive change of 26.64%.This indicates that the balance sheet and financial strength for Ecusta has improved slightly in recent periods. Deposit Growth In the past year, Ecusta has decreased its total deposits by -$1.68 million, resulting in -3.88% 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 Ecusta has shown is below 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. Ecusta has $48.94 million in assets with $6.88 million in equity, resulting in a capitalization level of 14.05%, which is excellent.

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