F R B Credit Union

F R B Credit Union is headquartered in Washington and is the 17^st largest credit union in the state of District of Columbia. It is also the 1,997^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 8 employees and 3,846 members. F R B Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics F R B NCUA # 320 BankRate Report View Year Chartered 1935 Employees 8 Primary Regulator Assets and Liabilities Assets $60.03 million Loans $14.27 million Deposits $54.02 million Equity Capital $5.14 million Loan Loss Allowance $167,000 Unbacked Noncurrent Loans $400,000 Historic Data - December 2010 Assets $55.66 million Equity Capital $5.03 million Loan Loss Allowance $171,000 Unbacked Noncurrent Loans $254,000 Profit Margin - Quarterly Net Interest Margin 5.65% Return on Assets 0.18% Return on Equity 2.14% Interest Income $1.43 million Non-Interest Income $255,000

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 F R B Credit Union had $400,000 in non-current loans and owned real-estate with $5.31 million in equity and loan loss allowances on hand to cover it. This gives F R B Credit Union a Texas Ratio of 7.53% 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 F R B Credit Union held steady from 4.88% as of December 31, 2010 to 7.53% as of December 31, 2011, resulting in a negative change of 54.37%. This indicates that the balance sheet and financial strength for F R B Credit Union has held steady in recent periods. Deposit Growth In the past year, F R B Credit Union has increased its total deposits by $3.82 million, resulting in 7.6% 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 R B 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 R B Credit Union has $60.03 million in assets with $5.31 million in equity, resulting in a capitalization level of 8.84%, which is average.

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