Empower Credit Union

Empower Credit Union is headquartered in SYRACUSE and is the 12^st largest credit union in the state of New York. It is also the 175^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 331 employees and 105,937 members. Empower Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics EMPOWER NCUA # 3025 BankRate Report View Year Chartered 1939 Employees 331 Primary Regulator Assets and Liabilities Assets $1.03 billion Loans $757.34 million Deposits $929.88 million Equity Capital $95.41 million Loan Loss Allowance $5.51 million Unbacked Noncurrent Loans $7.65 million Real Estate Owned $941,000 Historic Data - December 2010 Assets $925.48 million Equity Capital $87.61 million Loan Loss Allowance $4.68 million Unbacked Noncurrent Loans $6.09 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 4.74% Return on Assets 0.71% Return on Equity 7.63% Interest Income $45.64 million Non-Interest Income $20.82 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 Empower Credit Union had $8.59 million in non-current loans and owned real-estate with $100.92 million in equity and loan loss allowances on hand to cover it. This gives Empower Credit Union a Texas Ratio of 8.51% 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 Empower Credit Union held steady from 7.83% as of December 31, 2010 to 8.51% as of December 31, 2011, resulting in a negative change of 8.65%. This indicates that the balance sheet and financial strength for Empower Credit Union has held steady in recent periods. Deposit Growth In the past year, Empower Credit Union has increased its total deposits by $98.12 million, resulting in 11.8% 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 Empower 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. Empower Credit Union has $1.03 billion in assets with $100.92 million in equity, resulting in a capitalization level of 9.78%, which is average.

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