Emory Credit Union

1237 Clairmont Road
Decatur, GA 30030
(404) 329-6415
www.emoryacu.com

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Emory Credit Union is headquartered in DECATUR and is the 20^th largest credit union in the state of Georgia. It is also the 1,185^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 40 employees and 18,940 members. Emory Credit Union has a 5-star health rating.

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

Emory Credit Union Checking Account Rates

Apy	Min	Max	Product
0.01%	$500	-	Smart Checking Account
0.01%	$100	-	Advantage Checking Account

Emory Credit Union Savings Account Rates

	Apy	Min	Max	Product
	0.05%	$100	-	Share Savings Account

Emory Credit Union Money Market Rates

Apy	Min	Max	Product
0.08%	$50k	-	Diamond Money Market Account
0.05%	$10k	-	Money Max Account
0.01%	$100	-	Money Market Account

Emory Credit Union CD Rates

Apy	Min	Max	Product
0.81%	$500	-	60 Month Advantage Club CD
0.76%	$500	-	60 Month CD
0.55%	$500	-	48 Month Advantage Club CD
0.50%	$500	-	48 Month CD
0.45%	$500	-	36 Month Advantage Club CD
0.40%	$500	-	36 Month CD
0.35%	$500	-	24 Month Advantage Club CD
0.30%	$500	-	24 Month CD
0.20%	$500	-	12 Month Advantage Club CD
0.15%	$500	-	12 Month CD
0.10%	$500	-	6 Month Advantage Club Simple Interest CD
0.05%	$500	-	6 Month Simple Interest CD

Emory Credit Union IRA Rates

Apy	Min	Max	Product
0.81%	$500	-	60 Month Advantage Club IRA
0.81%	$500	-	60 Month Advantage Club Roth IRA
0.81%	$500	-	60 Month Advantage Club CESA
0.76%	$500	-	60 Month IRA
0.76%	$500	-	60 Month Roth IRA
0.76%	$500	-	60 Month CESA
0.55%	$500	-	48 Month Advantage Club IRA
0.55%	$500	-	48 Month Advantage Club Roth IRA
0.55%	$500	-	48 Month Advantage Club CESA
0.50%	$500	-	48 Month IRA
0.50%	$500	-	48 Month Roth IRA
0.50%	$500	-	48 Month CESA
0.45%	$500	-	36 Month Advantage Club IRA
0.45%	$500	-	36 Month Advantage Club Roth IRA
0.45%	$500	-	36 Month Advantage Club CESA
0.40%	$500	-	36 Month IRA
0.40%	$500	-	36 Month Roth IRA
0.40%	$500	-	36 Month CESA
0.35%	$500	-	24 Month Advantage Club IRA
0.35%	$500	-	24 Month Advantage Club Roth IRA
0.35%	$500	-	24 Month Advantage Club CESA
0.30%	$500	-	24 Month IRA
0.30%	$500	-	24 Month Roth IRA
0.30%	$500	-	24 Month Coverdell ESA
0.20%	$500	-	12 Month Advantage Club IRA
0.20%	$500	-	12 Month Advantage Club Roth IRA
0.20%	$500	-	12 Month Advantage Club CESA
0.15%	$500	-	12 Month IRA
0.15%	$500	-	12 Month Roth IRA
0.15%	$500	-	12 Month CESA
0.10%	$500	-	6 Month Advantage Club Simple Interest IRA
0.10%	$500	-	6 Month Advantage Club Simple Interest Roth IRA
0.10%	$500	-	6 Month Advantage Club Simple Interest CESA
0.05%	$500	-	6 Month Simple Interest IRA
0.05%	$500	-	6 Month Simple Interest Roth IRA
0.05%	$500	-	6 Month Simple Interest CESA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

EMORY ALLIANCE
NCUA #	68573
BankRate Report	View
Year Chartered	1968
Employees	40
Primary Regulator
Assets and Liabilities
Assets	$129.92 million
Loans	$51.75 million
Deposits	$119.15 million
Equity Capital	$8.84 million
Loan Loss Allowance	$315,000
Unbacked Noncurrent Loans	$385,000
Historic Data - December 2010
Assets	$122.90 million
Equity Capital	$8.96 million
Loan Loss Allowance	$342,000
Unbacked Noncurrent Loans	$172,000
Profit Margin - Quarterly
Net Interest Margin	5.5%
Return on Assets	0.04%
Return on Equity	0.57%
Interest Income	$3.66 million
Non-Interest Income	$2.18 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 Emory Credit Union had $385,000 in non-current loans and owned real-estate with $9.15 million in equity and loan loss allowances on hand to cover it. This gives Emory Credit Union a Texas Ratio of 4.21% 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 Emory Credit Union held steady from 1.85% as of December 31, 2010 to 4.21% as of December 31, 2011, resulting in a negative change of 127.46%. This indicates that the balance sheet and financial strength for Emory Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Emory Credit Union has increased its total deposits by $6.25 million, resulting in 5.53% 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 Emory 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. Emory Credit Union has $129.92 million in assets with $9.15 million in equity, resulting in a capitalization level of 7.04%, which is below average.

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