Flag Credit Union

Flag Credit Union is headquartered in Tallahassee and is the 99^th largest credit union in the state of Florida. It is also the 2,682^nd largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 15 employees and 5,365 members. Flag Credit Union's savings rates are 10X the national average, and it has a 3-star health rating.

Flag Credit Union Routing Number: 263182529

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Data for Q4 2011

Institution Statistics FLAG NCUA # 68461 BankRate Report View Year Chartered 1960 Employees 15 Primary Regulator Assets and Liabilities Assets $35.86 million Loans $23.56 million Deposits $32.34 million Equity Capital $3.13 million Loan Loss Allowance $528,000 Unbacked Noncurrent Loans $648,000 Historic Data - December 2010 Assets $35.90 million Equity Capital $2.79 million Loan Loss Allowance $681,000 Unbacked Noncurrent Loans $395,000 Real Estate Owned $302,000 Profit Margin - Quarterly Net Interest Margin 6.45% Return on Assets 0.83% Return on Equity 9.56% Interest Income $1.74 million Non-Interest Income $614,000

Institution Health Overall Score: 3 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 Flag Credit Union had $648,000 in non-current loans and owned real-estate with $3.66 million in equity and loan loss allowances on hand to cover it. This gives Flag Credit Union a Texas Ratio of 17.72% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Flag Credit Union held steady from 20.10% as of December 31, 2010 to 17.72% as of December 31, 2011, resulting in a positive change of 11.81%.This indicates that the balance sheet and financial strength for Flag Credit Union has held steady in recent periods. Deposit Growth In the past year, Flag Credit Union has decreased its total deposits by $-452,000, resulting in -1.38% 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 Flag Credit Union has shown is below 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. Flag Credit Union has $35.86 million in assets with $3.66 million in equity, resulting in a capitalization level of 10.20%, which is above average.

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