Ever $ Green Credit Union

Ever $ Green Credit Union is headquartered in Henrietta and is the 165^th largest credit union in the state of New York. It is also the 3,304^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 6 employees and 2,079 members. Ever $ Green Credit Union has a 5-star health rating.

Ever $ Green Credit Union Savings Account Rates

Ever $ Green Credit Union Money Market Rates

Ever $ Green Credit Union CD Rates

Data for Q4 2011

Institution Statistics EVER $ GREEN NCUA # 18649 BankRate Report View Year Chartered 1968 Employees 6 Primary Regulator Assets and Liabilities Assets $23.44 million Loans $11.74 million Deposits $21.18 million Equity Capital $2.24 million Loan Loss Allowance $126,000 Unbacked Noncurrent Loans $136,000 Historic Data - December 2010 Assets $22.77 million Equity Capital $2.08 million Loan Loss Allowance $87,000 Unbacked Noncurrent Loans $111,000 Profit Margin - Quarterly Net Interest Margin 5.36% Return on Assets 0.68% Return on Equity 7.09% Interest Income $997,000 Non-Interest Income $173,000

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, 2011 Ever $ Green Credit Union had $136,000 in non-current loans and owned real-estate with $2.37 million in equity and loan loss allowances on hand to cover it. This gives Ever $ Green Credit Union a Texas Ratio of 5.74% 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 Ever $ Green Credit Union held steady from 5.11% as of December 31, 2010 to 5.74% as of December 31, 2011, resulting in a negative change of 12.23%. This indicates that the balance sheet and financial strength for Ever $ Green Credit Union has held steady in recent periods. Deposit Growth In the past year, Ever $ Green Credit Union has increased its total deposits by $547,000, resulting in 2.65% 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 Ever $ Green 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. Ever $ Green Credit Union has $23.44 million in assets with $2.37 million in equity, resulting in a capitalization level of 10.11%, which is above average.

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