Financial Partners Credit Union

Financial Partners Credit Union is headquartered in WOODBURN and is the 85^th largest credit union in the state of Indiana. It is also the 3,265^th largest credit union in the nation. It was established in 1965 and as of December of 2012, it had grown to 11 employees and 3,605 members. Financial Partners Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics FINANCIAL PARTNERS NCUA # 16619 BankRate Report View Year Chartered 1965 Employees 11 Primary Regulator Assets and Liabilities Assets $24.31 million Loans $14.16 million Deposits $21.87 million Equity Capital $2.39 million Loan Loss Allowance $131,000 Unbacked Noncurrent Loans $103,000 Historic Data - December 2011 Assets $22.24 million Equity Capital $2.34 million Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $110,000 Profit Margin - Quarterly Net Interest Margin 4.87% Return on Assets 0.32% Return on Equity 3.22% Interest Income $836,000 Non-Interest Income $349,000

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, 2012 Financial Partners Credit Union had $103,000 in non-current loans and owned real-estate with $2.52 million in equity and loan loss allowances on hand to cover it. This gives Financial Partners Credit Union a Texas Ratio of 4.09% 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 Financial Partners Credit Union held steady from 4.58% as of December 31, 2011 to 4.09% as of December 31, 2012, resulting in a positive change of 10.79%.This indicates that the balance sheet and financial strength for Financial Partners Credit Union has held steady in recent periods. Deposit Growth In the past year, Financial Partners Credit Union has increased its total deposits by $2.05 million, resulting in 10.32% 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 Financial Partners 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. Financial Partners Credit Union has $24.31 million in assets with $2.52 million in equity, resulting in a capitalization level of 10.37%, which is above average.

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