Family Trust Credit Union

Family Trust Credit Union is headquartered in ROCK HILL and is the 10^st largest credit union in the state of South Carolina. It is also the 689^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 114 employees and 44,262 members. Family Trust Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics FAMILY TRUST NCUA # 11554 BankRate Report View Year Chartered 1957 Employees 114 Primary Regulator Assets and Liabilities Assets $270.51 million Loans $199.75 million Deposits $230.05 million Equity Capital $23.23 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $2.07 million Real Estate Owned $241,000 Historic Data - December 2010 Assets $252.95 million Equity Capital $22.21 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $2.52 million Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 0.39% Return on Equity 4.57% Interest Income $10.88 million Non-Interest Income $6.80 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 Trust Credit Union had $2.31 million in non-current loans and owned real-estate with $24.9 million in equity and loan loss allowances on hand to cover it. This gives Family Trust Credit Union a Texas Ratio of 9.29% 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 Family Trust Credit Union held steady from 10.54% as of December 31, 2010 to 9.29% as of December 31, 2011, resulting in a positive change of 11.85%.This indicates that the balance sheet and financial strength for Family Trust Credit Union has held steady in recent periods. Deposit Growth In the past year, Family Trust Credit Union has increased its total deposits by $14.57 million, resulting in 6.76% 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 Trust 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 Trust Credit Union has $270.5 million in assets with $24.9 million in equity, resulting in a capitalization level of 9.21%, which is average.

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