Employee Resources Credit Union

Employee Resources Credit Union is headquartered in LAWRENCEBURG and is the 52^nd largest credit union in the state of Tennessee. It is also the 2,599^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 16 employees and 6,578 members. Employee Resources Credit Union's CD rates are 12% higher than the national average, and it has a 4-star health rating.

Employee Resources Credit Union Routing Number: 264179900

Employee Resources Credit Union Savings Account Rates

Employee Resources Credit Union CD Rates

Data for Q4 2011

Institution Statistics EMPLOYEE RESOURCES NCUA # 67789 BankRate Report View Year Chartered 1964 Employees 16 Primary Regulator Assets and Liabilities Assets $37.84 million Loans $24.67 million Deposits $33.17 million Equity Capital $4.52 million Loan Loss Allowance $251,000 Unbacked Noncurrent Loans $538,000 Historic Data - December 2010 Assets $29.77 million Equity Capital $4.19 million Loan Loss Allowance $242,000 Unbacked Noncurrent Loans $153,000 Profit Margin - Quarterly Net Interest Margin 5.23% Return on Assets 0.87% Return on Equity 7.3% Interest Income $1.67 million Non-Interest Income $539,000

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 Employee Resources Credit Union had $538,000 in non-current loans and owned real-estate with $4.77 million in equity and loan loss allowances on hand to cover it. This gives Employee Resources Credit Union a Texas Ratio of 11.27% 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 Employee Resources Credit Union increased slightly from 3.45% as of December 31, 2010 to 11.27% as of December 31, 2011, resulting in a negative change of 226.51%. This indicates that the balance sheet and financial strength for Employee Resources Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Employee Resources Credit Union has increased its total deposits by $7.58 million, resulting in 29.64% 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 Employee Resources 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. Employee Resources Credit Union has $37.84 million in assets with $4.77 million in equity, resulting in a capitalization level of 12.61%, which is excellent.

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