Florida A & M University Credit Union

Florida A & M University Credit Union is headquartered in Tallahassee and is the 120^th largest credit union in the state of Florida. It is also the 3,484^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 10 employees and 3,271 members. Florida A & M University Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics FLORIDA A & M UNIVERSITY NCUA # 187 BankRate Report View Year Chartered 1935 Employees 10 Primary Regulator Assets and Liabilities Assets $20.97 million Loans $13.10 million Deposits $18.80 million Equity Capital $2.07 million Loan Loss Allowance $64,000 Unbacked Noncurrent Loans $290,000 Historic Data - December 2010 Assets $21.70 million Equity Capital $2.18 million Loan Loss Allowance $75,000 Unbacked Noncurrent Loans $333,000 Profit Margin - Quarterly Net Interest Margin 7.78% Return on Assets -0.51% Return on Equity -5.17% Interest Income $1.17 million Non-Interest Income $328,000

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 Florida A & M University Credit Union had $290,000 in non-current loans and owned real-estate with $2.13 million in equity and loan loss allowances on hand to cover it. This gives Florida A & M University Credit Union a Texas Ratio of 13.58% 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 Florida A & M University Credit Union held steady from 14.78% as of December 31, 2010 to 13.58% as of December 31, 2011, resulting in a positive change of 8.10%.This indicates that the balance sheet and financial strength for Florida A & M University Credit Union has held steady in recent periods. Deposit Growth In the past year, Florida A & M University Credit Union has decreased its total deposits by $-653,000, resulting in -3.36% 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 Florida A & M University 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. Florida A & M University Credit Union has $20.97 million in assets with $2.13 million in equity, resulting in a capitalization level of 10.18%, which is above average.

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