First Community Credit Union (TN)

First Community Credit Union (TN) is headquartered in COLUMBIA and is the 77^th largest credit union in the state of Tennessee. It is also the 3,193^rd largest credit union in the nation. It was established in 1974 and as of December of 2011, it had grown to 10 employees and 4,779 members. First Community Credit Union (TN)'s money market rates are 36% higher than the national average, and it has a 4-star health rating.

First Community Credit Union (TN) Checking Account Rates

First Community Credit Union (TN) Savings Account Rates

First Community Credit Union (TN) Money Market Rates

First Community Credit Union (TN) CD Rates

First Community Credit Union (TN) IRA Rates

Data for Q4 2011

Institution Statistics FIRST COMMUNITY CREDIT UNION NCUA # 67777 BankRate Report View Year Chartered 1974 Employees 10 Primary Regulator Assets and Liabilities Assets $25.17 million Loans $12.23 million Deposits $23.04 million Equity Capital $2.02 million Loan Loss Allowance $640,000 Unbacked Noncurrent Loans $307,000 Historic Data - December 2010 Assets $29.05 million Equity Capital $2.62 million Loan Loss Allowance $467,000 Unbacked Noncurrent Loans $428,000 Profit Margin - Quarterly Net Interest Margin 7.69% Return on Assets -0.22% Return on Equity -2.77% Interest Income $1.16 million Non-Interest Income $467,000

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 First Community Credit Union (TN) had $307,000 in non-current loans and owned real-estate with $2.66 million in equity and loan loss allowances on hand to cover it. This gives First Community Credit Union (TN) a Texas Ratio of 11.54% 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 First Community Credit Union (TN) decreased slightly from 13.89% as of December 31, 2010 to 11.54% as of December 31, 2011, resulting in a positive change of 16.89%.This indicates that the balance sheet and financial strength for First Community Credit Union (TN) has improved slightly in recent periods. Deposit Growth In the past year, First Community Credit Union (TN) has decreased its total deposits by -$3.04 million, resulting in -11.66% 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 First Community Credit Union (TN) has shown is poor. 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. First Community Credit Union (TN) has $25.17 million in assets with $2.66 million in equity, resulting in a capitalization level of 10.57%, which is above average.

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