Family Savings Credit Union

Family Savings Credit Union is headquartered in Gadsden and is the 12^st largest credit union in the state of Alabama. It is also the 671^st largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 123 employees and 58,649 members. Family Savings Credit Union's savings rates are 25% higher than the national average, and it has a 4-star health rating.

Family Savings Credit Union Checking Account Rates

Family Savings Credit Union Savings Account Rates

Family Savings Credit Union CD Rates

Family Savings Credit Union IRA Rates

Data for Q4 2011

Institution Statistics FAMILY SAVINGS NCUA # 24665 BankRate Report View Year Chartered 1951 Employees 123 Primary Regulator Assets and Liabilities Assets $281.04 million Loans $187.80 million Deposits $247.12 million Equity Capital $31.43 million Loan Loss Allowance $2.02 million Unbacked Noncurrent Loans $4.39 million Real Estate Owned $1.27 million Historic Data - December 2010 Assets $263.66 million Equity Capital $30.07 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $4.96 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 5.36% Return on Assets 0.46% Return on Equity 4.11% Interest Income $13.02 million Non-Interest Income $7.50 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 Family Savings Credit Union had $5.66 million in non-current loans and owned real-estate with $33.44 million in equity and loan loss allowances on hand to cover it. This gives Family Savings Credit Union a Texas Ratio of 16.92% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Family Savings Credit Union held steady from 19.23% as of December 31, 2010 to 16.92% as of December 31, 2011, resulting in a positive change of 12.01%.This indicates that the balance sheet and financial strength for Family Savings Credit Union has held steady in recent periods. Deposit Growth In the past year, Family Savings Credit Union has increased its total deposits by $15.83 million, resulting in 6.84% 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 Savings 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. Family Savings Credit Union has $281.04 million in assets with $33.44 million in equity, resulting in a capitalization level of 11.90%, which is above average.

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