EECU A Community

EECU A Community is headquartered in JACKSON and is the 80^th largest credit union in the state of Michigan. It is also the 1,331^st largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 30 employees and 17,051 members. EECU A Community has a 5-star health rating.

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Data for Q4 2011

Institution Statistics EECU A COMMUNITY NCUA # 62310 BankRate Report View Year Chartered 1936 Employees 30 Primary Regulator Assets and Liabilities Assets $111.00 million Loans $86.48 million Deposits $98.98 million Equity Capital $10.70 million Loan Loss Allowance $959,000 Unbacked Noncurrent Loans $477,000 Real Estate Owned $132,000 Historic Data - December 2010 Assets $102.03 million Equity Capital $9.66 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $672,000 Real Estate Owned $25,000 Profit Margin - Quarterly Net Interest Margin 5.76% Return on Assets 0.97% Return on Equity 10.08% Interest Income $5.43 million Non-Interest Income $1.52 million

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 EECU A Community had $609,000 in non-current loans and owned real-estate with $11.65 million in equity and loan loss allowances on hand to cover it. This gives EECU A Community a Texas Ratio of 5.23% 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 EECU A Community decreased slightly from 6.51% as of December 31, 2010 to 5.23% as of December 31, 2011, resulting in a positive change of 19.76%.This indicates that the balance sheet and financial strength for EECU A Community has improved slightly in recent periods. Deposit Growth In the past year, EECU A Community has increased its total deposits by $7.75 million, resulting in 8.5% 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 EECU A Community 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. EECU A Community has $111 million in assets with $11.65 million in equity, resulting in a capitalization level of 10.50%, which is above average.

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