F A B Church Credit Union

F A B Church Credit Union is headquartered in Savannah and is the 145^th largest credit union in the state of Georgia. It is also the 7,109^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to employees and 297 members. F A B Church Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics F A B CHURCH NCUA # 9527 BankRate Report View Year Chartered 1954 Employees 0 Primary Regulator Assets and Liabilities Assets $231,000 Loans $155,000 Deposits $180,000 Equity Capital $50,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $44,000 Historic Data - December 2010 Assets $164,000 Equity Capital $49,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $48,000 Profit Margin - Quarterly Net Interest Margin 5.52% Return on Assets 0% Return on Equity 0% Interest Income $12,000 Non-Interest Income $2,000

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 B Church Credit Union had $44,000 in non-current loans and owned real-estate with $56,000 in equity and loan loss allowances on hand to cover it. This gives F A B Church Credit Union a Texas Ratio of 78.57% which is below 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 B Church Credit Union held steady from 85.71% as of December 31, 2010 to 78.57% as of December 31, 2011, resulting in a positive change of 8.33%.This indicates that the balance sheet and financial strength for F A B Church Credit Union has held steady in recent periods. Deposit Growth In the past year, F A B Church Credit Union has increased its total deposits by $70,000, resulting in 63.64% 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 B Church Credit Union has shown is excellent. 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 B Church Credit Union has $231,000 in assets with $56,000 in equity, resulting in a capitalization level of 24.24%, which is excellent.

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