Fort Financial Credit Union

3102 Spring Street
Fort Wayne, IN 46808--296
(260) 432-1561
www.fortfinancialcu.org

NCUA

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Fort Financial Credit Union is headquartered in Fort Wayne and is the 25^th largest credit union in the state of Indiana. It is also the 1,046^th largest credit union in the nation. It was established in 1946 and as of December of 2012, it had grown to 78 employees and 37,439 members. Fort Financial Credit Union has a 4-star health rating.

Fort Financial Credit Union Routing Number: 274973374

Special 30-Month CD at Fort Financial Credit Union in Parts of IN, NC, MS, IL and WI - 12/7/2010

Fort Financial Credit Union has a special 30-month CD with a 2.01% APY. It's called the COMFORT Certificate, and it allows you to bump up the rate one time during the term of the CD and add additional ...

3.05% 15-Month CD at Fort Financial Credit Union in Parts of IN, NC, MS, IL and WI - 3/18/2009

Fort Financial Credit Union has a special 15-month CD with a 3.05% APY. Minimum deposit is $1,000. New funds are required; Otherwise, the rate is 2.75% APY. The special is also available as a Traditional or Roth IRA. These rates are listed at the credit...

5.05% 29-Month / 4.90% 18-Month CD at Fort Financial CU in IN, NC, MS, IL and WI - 10/1/2008

Fort Financial Credit Union has a CD promotion with two competitive mid-term CDs: a 4.90% APY 18-month CD and a 5.05% APY 29-month CD. The minimum deposit is $10,000, and both are available in an IRA. The credit union has a promotional page (pdf)...

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See Rates for: Savings | Money Market | CD | IRA

Fort Financial Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Coverdell ESA Share
0.15%	-	-	Traditional IRA Share
0.15%	-	-	Roth IRA Share
0.05%	$50	-	Prime Savings
0.05%	$50	-	Special I Savings
0.05%	$500	-	Special II Savings
0.05%	$50	-	Vacation Club
0.05%	$50	-	Christmas Club

Fort Financial Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$50k	-	Money Market Account

Fort Financial Credit Union CD Rates

Apy	Min	Max	Product
0.65%	$500	-	60 Month Certificate
0.45%	$500	-	48 Month Certificate
0.40%	$500	-	36 Month Certificate
0.25%	$500	-	30 Month COMFORT Certificate
0.15%	$500	-	18 Month Certificate
0.15%	$500	-	24 Month Certificate
0.10%	$500	-	9 Month Certificate
0.10%	$500	-	12 Month Certificate
0.05%	$500	-	3 Month Certificate
0.05%	$500	-	6 Month Certificate

Fort Financial Credit Union IRA Rates

Apy	Min	Max	Product
0.65%	$500	-	60 Month IRA Certificate
0.65%	$500	-	60 Month Roth IRA Certificate
0.65%	$500	-	60 Month CESA Certificate
0.45%	$500	-	48 Month IRA Certificate
0.45%	$500	-	48 Month Roth IRA Certificate
0.45%	$500	-	48 Month CESA Certificate
0.40%	$500	-	36 Month IRA Certificate
0.40%	$500	-	36 Month Roth IRA Certificate
0.40%	$500	-	36 Month CESA Certificate
0.25%	$500	-	30 Month COMFORT IRA Certificate
0.25%	$500	-	30 Month COMFORT Roth IRA Certificate
0.25%	$500	-	30 Month COMFORT CESA Certificate
0.15%	$500	-	18 Month IRA Certificate
0.15%	$500	-	24 Month IRA Certificate
0.15%	$500	-	18 Month Roth IRA Certificate
0.15%	$500	-	24 Month Roth IRA Certificate
0.15%	$500	-	18 Month CESA Certificate
0.15%	$500	-	24 Month CESA Certificate
0.10%	$500	-	12 Month IRA Certificate
0.10%	$500	-	12 Month Roth IRA Certificate
0.10%	$500	-	12 Month CESA Certificate

Rates updated: 6/18/2013

Data for Q4 2012

Institution Statistics

FORT FINANCIAL
NCUA #	5431
BankRate Report	View
Year Chartered	1946
Employees	78
Primary Regulator
Assets and Liabilities
Assets	$160.47 million
Loans	$125.62 million
Deposits	$149.51 million
Equity Capital	$10.15 million
Loan Loss Allowance	$1.15 million
Unbacked Noncurrent Loans	$1.13 million
Historic Data - December 2011
Assets	$156.95 million
Equity Capital	$8.94 million
Loan Loss Allowance	$1.20 million
Unbacked Noncurrent Loans	$1.68 million
Profit Margin - Quarterly
Net Interest Margin	4.6%
Return on Assets	0.59%
Return on Equity	9.37%
Interest Income	$6.46 million
Non-Interest Income	$4.20 million

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, 2012 Fort Financial Credit Union had $1.13 million in non-current loans and owned real-estate with $11.3 million in equity and loan loss allowances on hand to cover it. This gives Fort Financial Credit Union a Texas Ratio of 10.04% 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 Fort Financial Credit Union decreased slightly from 16.54% as of December 31, 2011 to 10.04% as of December 31, 2012, resulting in a positive change of 39.32%.This indicates that the balance sheet and financial strength for Fort Financial Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Fort Financial Credit Union has increased its total deposits by $2.56 million, resulting in 1.74% 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 Fort Financial Credit Union has shown is above 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. Fort Financial Credit Union has $160.47 million in assets with $11.3 million in equity, resulting in a capitalization level of 7.04%, which is below average.

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Fort Financial Credit Union

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