Frontier Central Credit Union

Frontier Central Credit Union is headquartered in Hamburg and is the 292^nd largest credit union in the state of New York. It is also the 5,453^rd largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 2 employees and 1,132 members. Frontier Central Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics FRONTIER CENTRAL NCUA # 12716 BankRate Report View Year Chartered 1959 Employees 2 Primary Regulator Assets and Liabilities Assets $5.27 million Loans $2.34 million Deposits $4.54 million Equity Capital $721,000 Loan Loss Allowance $52,000 Unbacked Noncurrent Loans $106,000 Historic Data - December 2010 Assets $5.35 million Equity Capital $799,000 Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $119,000 Profit Margin - Quarterly Net Interest Margin 8.01% Return on Assets -1.48% Return on Equity -10.82% Interest Income $216,000

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 Frontier Central Credit Union had $106,000 in non-current loans and owned real-estate with $773,000 in equity and loan loss allowances on hand to cover it. This gives Frontier Central Credit Union a Texas Ratio of 13.71% 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 Frontier Central Credit Union held steady from 14.48% as of December 31, 2010 to 13.71% as of December 31, 2011, resulting in a positive change of 5.28%.This indicates that the balance sheet and financial strength for Frontier Central Credit Union has held steady in recent periods. Deposit Growth In the past year, Frontier Central Credit Union has increased its total deposits by $10,000, resulting in 0.22% 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 Frontier Central 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. Frontier Central Credit Union has $5.27 million in assets with $773,000 in equity, resulting in a capitalization level of 14.66%, which is excellent.

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