F A A Credit Union

F A A Credit Union is headquartered in MEMPHIS and is the 34^th largest credit union in the state of Tennessee. It is also the 1,490^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 35 employees and 11,607 members. F A A Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics F A A NCUA # 9639 BankRate Report View Year Chartered 1954 Employees 35 Primary Regulator Assets and Liabilities Assets $93.89 million Loans $43.07 million Deposits $83.01 million Equity Capital $10.15 million Loan Loss Allowance $342,000 Unbacked Noncurrent Loans $504,000 Real Estate Owned $682,000 Historic Data - December 2010 Assets $91.98 million Equity Capital $9.77 million Loan Loss Allowance $566,000 Unbacked Noncurrent Loans $466,000 Real Estate Owned $832,000 Profit Margin - Quarterly Net Interest Margin 5.61% Return on Assets 0.42% Return on Equity 3.84% Interest Income $3.35 million Non-Interest Income $1.55 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 F A A Credit Union had $1.19 million in non-current loans and owned real-estate with $10.49 million in equity and loan loss allowances on hand to cover it. This gives F A A Credit Union a Texas Ratio of 11.31% 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 F A A Credit Union held steady from 12.56% as of December 31, 2010 to 11.31% as of December 31, 2011, resulting in a positive change of 9.98%.This indicates that the balance sheet and financial strength for F A A Credit Union has held steady in recent periods. Deposit Growth In the past year, F A A Credit Union has increased its total deposits by $1.15 million, resulting in 1.4% 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 F A A 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. F A A Credit Union has $93.89 million in assets with $10.49 million in equity, resulting in a capitalization level of 11.17%, which is above average.

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