Five County Credit Union

Five County Credit Union is headquartered in Bath and is the 8^th largest credit union in the state of Maine. It is also the 880^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 107 employees and 23,298 members. Five County Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Five County Credit Union Checking Account Rates

Five County Credit Union Savings Account Rates

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Five County Credit Union IRA Rates

Data for Q4 2011

Institution Statistics FIVE COUNTY NCUA # 67993 BankRate Report View Year Chartered 1956 Employees 107 Primary Regulator Assets and Liabilities Assets $193.20 million Loans $129.34 million Deposits $168.48 million Equity Capital $14.07 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $1.19 million Historic Data - December 2010 Assets $184.01 million Equity Capital $14.16 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $1.69 million Profit Margin - Quarterly Net Interest Margin 5.36% Return on Assets -0.15% Return on Equity -2.11% Interest Income $8.73 million Non-Interest Income $4.24 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, 2011 Five County Credit Union had $1.19 million in non-current loans and owned real-estate with $15.14 million in equity and loan loss allowances on hand to cover it. This gives Five County Credit Union a Texas Ratio of 7.88% 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 Five County Credit Union decreased slightly from 10.87% as of December 31, 2010 to 7.88% as of December 31, 2011, resulting in a positive change of 27.48%.This indicates that the balance sheet and financial strength for Five County Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Five County Credit Union has increased its total deposits by $9.75 million, resulting in 6.14% 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 Five County 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. Five County Credit Union has $193.2 million in assets with $15.14 million in equity, resulting in a capitalization level of 7.83%, which is below average.

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