Fl. Dept. Of Transportation` Credit Union

Fl. Dept. Of Transportation` Credit Union is headquartered in Tallahassee and is the 89<sup>th</sup> largest credit union in the state of Florida. It is also the 2,349<sup>th</sup> largest credit union in the nation. It was established in 1991 and as of December of 2011, it had grown to 16 employees and 3,954 members. Fl. Dept. Of Transportation` Credit Union has a 5-star health rating.

Fl. Dept. Of Transportation` Credit Union Savings Account Rates

Fl. Dept. Of Transportation` Credit Union CD Rates

Fl. Dept. Of Transportation` Credit Union IRA Rates

Data for Q4 2011

Institution Statistics FL. DEPT. OF TRANSPORTATION` NCUA # 67300 BankRate Report View Year Chartered 1991 Employees 16 Primary Regulator Assets and Liabilities Assets $45.96 million Loans $16.07 million Deposits $37.35 million Equity Capital $8.38 million Loan Loss Allowance $277,000 Unbacked Noncurrent Loans $288,000 Historic Data - December 2010 Assets $45.92 million Equity Capital $8.08 million Loan Loss Allowance $253,000 Unbacked Noncurrent Loans $213,000 Profit Margin - Quarterly Net Interest Margin 7.12% Return on Assets 0.52% Return on Equity 2.84% Interest Income $1.97 million Non-Interest Income $450,000

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, 2011 Fl. Dept. Of Transportation` Credit Union had $288,000 in non-current loans and owned real-estate with $8.66 million in equity and loan loss allowances on hand to cover it. This gives Fl. Dept. Of Transportation` Credit Union a Texas Ratio of 3.33% 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 Fl. Dept. Of Transportation` Credit Union held steady from 2.56% as of December 31, 2010 to 3.33% as of December 31, 2011, resulting in a negative change of 30.15%. This indicates that the balance sheet and financial strength for Fl. Dept. Of Transportation` Credit Union has held steady in recent periods. Deposit Growth In the past year, Fl. Dept. Of Transportation` Credit Union has decreased its total deposits by $-268,000, resulting in -0.71% 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 Fl. Dept. Of Transportation` Credit Union has shown is average. 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. Fl. Dept. Of Transportation` Credit Union has $45.96 million in assets with $8.66 million in equity, resulting in a capitalization level of 18.84%, which is excellent.

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