Entrust Federal Credit Union

1801 Dabney Rd
Richmond, VA 23230
804-353-8012
www.entrustfcu.org

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Entrust Federal Credit Union is headquartered in Richmond and is the 56^th largest credit union in the state of Virginia. It is also the 1,863^rd largest credit union in the nation. It was established in 1970 and as of December of 2012, it had grown to 21 employees and 9,803 members. Entrust Federal Credit Union has a 5-star health rating.

3.50% Reward Checking Account at Entrust Federal Credit Union in Virginia - Local Only - 9/23/2009

Entrust FCU is offering a high-yield reward checking account called Bonus Checking. The account has the following rates and features if certain monthly requirements are met:3.50% APY on balances up to $25,0000.75% APY on portion of balance over...

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

Entrust Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Bonus Checking

Entrust Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Christmas Club
0.20%	-	-	Regular Shares
0.20%	-	-	Special Shares
0.20%	-	-	Special Clubs

Entrust Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Market Account

Entrust Federal Credit Union CD Rates

Apy	Min	Max	Product
1.31%	$500	-	60 Month Certificate
0.75%	$500	-	36 Month Certificate
0.55%	$500	-	24 Month Certificate
0.50%	$500	-	18 Month Certificate
0.40%	$500	-	12 Month Certificate
0.30%	$500	-	6 Month Certificate

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

ENTRUST FINANCIAL
NCUA #	68612
BankRate Report	View
Year Chartered	1970
Employees	21
Primary Regulator
Assets and Liabilities
Assets	$70.12 million
Loans	$31.10 million
Deposits	$64.20 million
Equity Capital	$5.40 million
Loan Loss Allowance	$294,000
Unbacked Noncurrent Loans	$356,000
Real Estate Owned	$88,000
Historic Data - December 2011
Assets	$67.34 million
Equity Capital	$5.21 million
Loan Loss Allowance	$248,000
Unbacked Noncurrent Loans	$823,000
Profit Margin - Quarterly
Net Interest Margin	5.63%
Return on Assets	0.28%
Return on Equity	3.66%
Interest Income	$2.34 million
Non-Interest Income	$1.86 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, 2012 Entrust Federal Credit Union had $444,000 in non-current loans and owned real-estate with $5.7 million in equity and loan loss allowances on hand to cover it. This gives Entrust Federal Credit Union a Texas Ratio of 7.79% 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 Entrust Federal Credit Union decreased significantly from 15.09% as of December 31, 2011 to 7.79% as of December 31, 2012, resulting in a positive change of 48.37%.This indicates that the balance sheet and financial strength for Entrust Federal Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Entrust Federal Credit Union has increased its total deposits by $2.7 million, resulting in 4.39% 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 Entrust Federal Credit Union has shown is above 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. Entrust Federal Credit Union has $70.12 million in assets with $5.7 million in equity, resulting in a capitalization level of 8.13%, which is average.