Family Horizons Credit Union

Family Horizons Credit Union is headquartered in Indianapolis and is the 34^th largest credit union in the state of Indiana. It is also the 1,553^rd largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 26 employees and 11,497 members. Family Horizons Credit Union has a 5-star health rating.

Family Horizons Credit Union Routing Number: 274074325

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Data for Q4 2012

Institution Statistics FAMILY HORIZONS NCUA # 64942 BankRate Report View Year Chartered 1954 Employees 26 Primary Regulator Assets and Liabilities Assets $91.15 million Loans $68.18 million Deposits $81.92 million Equity Capital $8.64 million Loan Loss Allowance $760,000 Unbacked Noncurrent Loans $463,000 Real Estate Owned $94,000 Historic Data - December 2011 Assets $88.37 million Equity Capital $8.41 million Loan Loss Allowance $848,000 Unbacked Noncurrent Loans $1.09 million Real Estate Owned $34,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.23% Return on Equity 2.38% Interest Income $3.82 million Non-Interest Income $1.52 million

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, 2012 Family Horizons Credit Union had $557,000 in non-current loans and owned real-estate with $9.4 million in equity and loan loss allowances on hand to cover it. This gives Family Horizons Credit Union a Texas Ratio of 5.92% 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 Family Horizons Credit Union decreased significantly from 12.18% as of December 31, 2011 to 5.92% as of December 31, 2012, resulting in a positive change of 51.34%.This indicates that the balance sheet and financial strength for Family Horizons Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Family Horizons Credit Union has increased its total deposits by $2.36 million, resulting in 2.96% 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 Family Horizons 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. Family Horizons Credit Union has $91.15 million in assets with $9.4 million in equity, resulting in a capitalization level of 10.31%, which is above average.

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