Envision CU (FL)

Envision CU (FL) is headquartered in TALLAHASSEE and is the 39^th largest credit union in the state of Florida. It is also the 783^rd largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 119 employees and 30,080 members. Envision CU (FL)'s money market rates are 82% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics ENVISION NCUA # 67329 BankRate Report View Year Chartered 1954 Employees 119 Primary Regulator Assets and Liabilities Assets $229.64 million Loans $139.22 million Deposits $199.31 million Equity Capital $18.46 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $3.43 million Real Estate Owned $658,000 Historic Data - December 2010 Assets $220.07 million Equity Capital $16.57 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $2.32 million Real Estate Owned $558,000 Profit Margin - Quarterly Net Interest Margin 6.35% Return on Assets 0.72% Return on Equity 8.94% Interest Income $9.69 million Non-Interest Income $10.87 million

Institution Health Overall Score: 3 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 Envision CU (FL) had $4.09 million in non-current loans and owned real-estate with $20.3 million in equity and loan loss allowances on hand to cover it. This gives Envision CU (FL) a Texas Ratio of 20.13% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Envision CU (FL) held steady from 15.75% as of December 31, 2010 to 20.13% as of December 31, 2011, resulting in a negative change of 27.80%. This indicates that the balance sheet and financial strength for Envision CU (FL) has held steady in recent periods. Deposit Growth In the past year, Envision CU (FL) has increased its total deposits by $4.24 million, resulting in 2.17% 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 Envision CU (FL) 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. Envision CU (FL) has $229.64 million in assets with $20.3 million in equity, resulting in a capitalization level of 8.84%, which is average.

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