Fort Meade CU

Fort Meade CU is headquartered in Fort Meade and is the 51^st largest credit union in the state of Maryland. It is also the 2,750^th largest credit union in the nation. It was established in 1900 and as of December of 2011, it had grown to 17 employees and 4,816 members. Fort Meade CU has a 3-star health rating.

Data for Q4 2011

Institution Statistics FORT MEADE NCUA # 95749 BankRate Report View Year Chartered 1900 Employees 17 Primary Regulator Assets and Liabilities Assets $34.17 million Loans $11.28 million Deposits $31.22 million Equity Capital $2.63 million Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $431,000 Historic Data - December 2010 Assets $31.48 million Equity Capital $2.62 million Loan Loss Allowance $70,000 Unbacked Noncurrent Loans $153,000 Profit Margin - Quarterly Net Interest Margin 7.9% Return on Assets 0% Return on Equity 0.04% Interest Income $1.30 million Non-Interest Income $268,000

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 Fort Meade CU had $431,000 in non-current loans and owned real-estate with $2.68 million in equity and loan loss allowances on hand to cover it. This gives Fort Meade CU a Texas Ratio of 16.08% 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 Fort Meade CU increased slightly from 5.69% as of December 31, 2010 to 16.08% as of December 31, 2011, resulting in a negative change of 182.54%. This indicates that the balance sheet and financial strength for Fort Meade CU has declined slightly in recent periods. Deposit Growth In the past year, Fort Meade CU has increased its total deposits by $2.36 million, resulting in 8.19% 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 Meade CU 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. Fort Meade CU has $34.17 million in assets with $2.68 million in equity, resulting in a capitalization level of 7.85%, which is below average.

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