Epiphany Credit Union

Epiphany Credit Union is headquartered in Brooklyn and is the 411^st largest credit union in the state of New York. It is also the 7,062^nd largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to employees and 119 members. Epiphany Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics EPIPHANY NCUA # 15129 BankRate Report View Year Chartered 1962 Employees 0 Primary Regulator Assets and Liabilities Assets $301,000 Loans $65,000 Deposits $242,000 Equity Capital $58,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $10,000 Historic Data - December 2010 Assets $358,000 Equity Capital $64,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $13,000 Profit Margin - Quarterly Net Interest Margin 13.85% Return on Assets 2.66% Return on Equity 13.79% Interest Income $8,000

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 Epiphany Credit Union had $10,000 in non-current loans and owned real-estate with $59,000 in equity and loan loss allowances on hand to cover it. This gives Epiphany Credit Union a Texas Ratio of 16.95% 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 Epiphany Credit Union decreased slightly from 20.00% as of December 31, 2010 to 16.95% as of December 31, 2011, resulting in a positive change of 15.25%.This indicates that the balance sheet and financial strength for Epiphany Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Epiphany Credit Union has decreased its total deposits by $-49,000, resulting in -16.84% 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 Epiphany Credit Union has shown is poor. 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. Epiphany Credit Union has $301,000 in assets with $59,000 in equity, resulting in a capitalization level of 19.60%, which is excellent.

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