Emery Credit Union

7890 East Kemper Road
Cincinnati, OH 45249
(800) 553-5513
www.emeryfcu.org

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Emery Credit Union is headquartered in Cincinnati and is the 40^th largest credit union in the state of Ohio. It is also the 1,116^st largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 47 employees and 13,395 members. Emery Credit Union has a 4-star health rating.

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See Rates for: Savings | Money Market | CD | IRA

Emery Credit Union Savings Account Rates

Apy	Min	Max	Product
0.35%	$5k	-	HSA Account
0.15%	-	-	Regular Savings Account
0.15%	-	-	Club Savings Account

Emery Credit Union Money Market Rates

Apy	Min	Max	Product
0.35%	$250k	-	Insured Money Market Account
0.35%	$250k	-	IRA Money Market Account
0.35%	$250k	-	Roth IRA Money Market Account
0.35%	$250k	-	Education IRA Money Market Account

Emery Credit Union CD Rates

Apy	Min	Max	Product
2.25%	$500	-	60 Month Checking and Credit Card Relationship CD Special
2.15%	$500	-	60 Month Checking or Credit Card Relationship CD Special
2.05%	$500	-	60 Month Prime 50 CD Special
1.92%	$500	-	60 Month CD
1.85%	$500	-	48 Month Checking and Credit Card Relationship CD Special
1.75%	$500	-	48 Month Checking or Credit Card Relationship CD Special
1.65%	$500	-	48 Month Prime 50 CD Special
1.55%	$500	-	36 Month Checking and Credit Card Relationship CD Special
1.51%	$500	-	48 Month CD
1.45%	$500	-	36 Month Checking or Credit Card Relationship CD Special
1.35%	$500	-	36 Month Prime 50 CD Special
1.26%	$500	-	30 Month Variable Rate Emerate CD
1.25%	$500	-	24 Month Checking and Credit Card Relationship CD Special
1.21%	$500	-	36 Month CD
1.15%	$500	-	24 Month Checking or Credit Card Relationship CD Special
1.05%	$500	-	24 Month Prime 50 CD Special
0.90%	$500	-	24 Month CD
0.85%	$500	-	12 Month Checking and Credit Card Relationship CD Special
0.75%	$500	-	12 Month Checking or Credit Card Relationship CD Special
0.65%	$500	-	6 Month Checking and Credit Card Relationship CD Special
0.65%	$500	-	12 Month Prime 50 CD Special
0.55%	$500	-	6 Month Checking or Credit Card Relationship CD Special
0.50%	$500	-	12 Month CD
0.45%	$500	-	6 Month Prime 50 CD Special
0.30%	$500	-	6 Month CD

Emery Credit Union IRA Rates

Apy	Min	Max	Product
2.25%	$500	-	60 Month Checking and Credit Card Relationship IRA Special
2.25%	$500	-	60 Month Checking and Credit Card Relationship Roth IRA Special
2.25%	$500	-	60 Month Checking and Credit Card Relationship Education IRA Special
2.15%	$500	-	60 Month Checking or Credit Card Relationship IRA Special
2.15%	$500	-	60 Month Checking or Credit Card Relationship Roth IRA Special
2.15%	$500	-	60 Month Checking or Credit Card Relationship Education IRA Special
2.05%	$500	-	60 Month Prime 50 IRA Special
2.05%	$500	-	60 Month Prime 50 Roth IRA Special
2.05%	$500	-	60 Month Prime 50 Education IRA Special
1.92%	$500	-	60 Month IRA
1.92%	$500	-	60 Month Roth IRA
1.92%	$500	-	60 Month Education IRA
1.85%	$500	-	48 Month Checking and Credit Card Relationship IRA Special
1.85%	$500	-	48 Month Checking and Credit Card Relationship Roth IRA Special
1.85%	$500	-	48 Month Checking and Credit Card Relationship Education IRA Special
1.75%	$500	-	48 Month Checking or Credit Card Relationship IRA Special
1.75%	$500	-	48 Month Checking or Credit Card Relationship Roth IRA Special
1.75%	$500	-	48 Month Checking or Credit Card Relationship Education IRA Special
1.65%	$500	-	48 Month Prime 50 IRA Special
1.65%	$500	-	48 Month Prime 50 Roth IRA Special
1.65%	$500	-	48 Month Prime 50 Education IRA Special
1.55%	$500	-	36 Month Checking and Credit Card Relationship IRA Special
1.55%	$500	-	36 Month Checking and Credit Card Relationship Roth IRA Special
1.55%	$500	-	36 Month Checking and Credit Card Relationship Education IRA Special
1.51%	$500	-	48 Month IRA
1.51%	$500	-	48 Month Roth IRA
1.51%	$500	-	48 Month Education IRA
1.45%	$500	-	36 Month Checking or Credit Card Relationship IRA Special
1.45%	$500	-	36 Month Checking or Credit Card Relationship Roth IRA Special
1.45%	$500	-	36 Month Checking or Credit Card Relationship Education IRA Special
1.35%	$500	-	36 Month Prime 50 IRA Special
1.35%	$500	-	36 Month Prime 50 Roth IRA Special
1.35%	$500	-	36 Month Prime 50 Education IRA Special
1.26%	$500	-	30 Month Variable Rate Emerate IRA
1.26%	$500	-	30 Month Variable Rate Emerate Roth IRA
1.26%	$500	-	30 Month Variable Rate Emerate Education IRA
1.25%	$500	-	24 Month Checking and Credit Card Relationship IRA Special
1.25%	$500	-	24 Month Checking and Credit Card Relationship Roth IRA Special
1.25%	$500	-	24 Month Checking and Credit Card Relationship Education IRA Special
1.21%	$500	-	36 Month IRA
1.21%	$500	-	36 Month Roth IRA
1.21%	$500	-	36 Month Education IRA
1.15%	$500	-	24 Month Checking or Credit Card Relationship IRA Special
1.15%	$500	-	24 Month Checking or Credit Card Relationship Roth IRA Special
1.15%	$500	-	24 Month Checking or Credit Card Relationship Education IRA Special
1.05%	$500	-	24 Month Prime 50 IRA Special
1.05%	$500	-	24 Month Prime 50 Roth IRA Special
1.05%	$500	-	24 Month Prime 50 Education IRA Special
0.90%	$500	-	24 Month IRA
0.90%	$500	-	24 Month Roth IRA
0.90%	$500	-	24 Month Education IRA
0.85%	$500	-	12 Month Checking and Credit Card Relationship IRA Special
0.85%	$500	-	12 Month Checking and Credit Card Relationship Roth IRA Special
0.85%	$500	-	12 Month Checking and Credit Card Relationship Education IRA Special
0.75%	$500	-	12 Month Checking or Credit Card Relationship IRA Special
0.75%	$500	-	12 Month Checking or Credit Card Relationship Roth IRA Special
0.75%	$500	-	12 Month Checking or Credit Card Relationship Education IRA Special
0.65%	$500	-	6 Month Checking and Credit Card Relationship IRA Special
0.65%	$500	-	12 Month Prime 50 IRA Special
0.65%	$500	-	6 Month Checking and Credit Card Relationship Roth IRA Special
0.65%	$500	-	12 Month Prime 50 Roth IRA Special
0.65%	$500	-	6 Month Checking and Credit Card Relationship Education IRA Special
0.65%	$500	-	12 Month Prime 50 Education IRA Special
0.55%	$500	-	6 Month Checking or Credit Card Relationship IRA Special
0.55%	$500	-	6 Month Checking or Credit Card Relationship Roth IRA Special
0.55%	$500	-	6 Month Checking or Credit Card Relationship Education IRA Special
0.50%	$500	-	12 Month IRA
0.50%	$500	-	12 Month Roth IRA
0.50%	$500	-	12 Month Education IRA
0.45%	$500	-	6 Month Prime 50 IRA Special
0.45%	$500	-	6 Month Prime 50 Roth IRA Special
0.45%	$500	-	6 Month Prime 50 Education IRA Special
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month Roth IRA
0.30%	$500	-	6 Month Education IRA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

EMERY
NCUA #	3360
BankRate Report	View
Year Chartered	1939
Employees	47
Primary Regulator
Assets and Liabilities
Assets	$140.93 million
Loans	$97.86 million
Deposits	$124.85 million
Equity Capital	$11.65 million
Loan Loss Allowance	$816,000
Unbacked Noncurrent Loans	$488,000
Historic Data - December 2010
Assets	$136.75 million
Equity Capital	$10.85 million
Loan Loss Allowance	$933,000
Unbacked Noncurrent Loans	$297,000
Profit Margin - Quarterly
Net Interest Margin	4.05%
Return on Assets	0.61%
Return on Equity	7.34%
Interest Income	$5.86 million
Non-Interest Income	$2.37 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 Emery Credit Union had $488,000 in non-current loans and owned real-estate with $12.47 million in equity and loan loss allowances on hand to cover it. This gives Emery Credit Union a Texas Ratio of 3.91% 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 Emery Credit Union held steady from 2.52% as of December 31, 2010 to 3.91% as of December 31, 2011, resulting in a negative change of 55.22%. This indicates that the balance sheet and financial strength for Emery Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Emery Credit Union has increased its total deposits by $1.04 million, resulting in 0.84% 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 Emery Credit Union has shown is 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. Emery Credit Union has $140.93 million in assets with $12.47 million in equity, resulting in a capitalization level of 8.85%, which is average.

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