Educational Credit Union

Educational Credit Union is headquartered in TOPEKA and is the 10^st largest credit union in the state of Kansas. It is also the 1,041^st largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 34 employees and 19,588 members. Educational Credit Union's savings rates are 94% higher than the national average, and it has a 4-star health rating.

Educational Credit Union Routing Number: 301179892

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Data for Q4 2011

Institution Statistics EDUCATIONAL NCUA # 60699 BankRate Report View Year Chartered 1939 Employees 34 Primary Regulator Assets and Liabilities Assets $153.83 million Loans $91.98 million Deposits $140.30 million Equity Capital $12.56 million Loan Loss Allowance $958,000 Unbacked Noncurrent Loans $1.61 million Historic Data - December 2010 Assets $135.33 million Equity Capital $11.50 million Loan Loss Allowance $996,000 Unbacked Noncurrent Loans $1.33 million Profit Margin - Quarterly Net Interest Margin 4.94% Return on Assets 0.69% Return on Equity 8.45% Interest Income $6.60 million Non-Interest Income $1.76 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 Educational Credit Union had $1.61 million in non-current loans and owned real-estate with $13.52 million in equity and loan loss allowances on hand to cover it. This gives Educational Credit Union a Texas Ratio of 11.91% 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 Educational Credit Union held steady from 10.66% as of December 31, 2010 to 11.91% as of December 31, 2011, resulting in a negative change of 11.73%. This indicates that the balance sheet and financial strength for Educational Credit Union has held steady in recent periods. Deposit Growth In the past year, Educational Credit Union has increased its total deposits by $17.12 million, resulting in 13.9% 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 Educational 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. Educational Credit Union has $153.83 million in assets with $13.52 million in equity, resulting in a capitalization level of 8.79%, which is average.

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