G.C.I.U. Local 235 Credit Union

G.C.I.U. Local 235 Credit Union is headquartered in Independence and is the 137^th largest credit union in the state of Missouri. It is also the 7,184^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to employees and 239 members. G.C.I.U. Local 235 Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics G.C.I.U. LOCAL 235 NCUA # 64668 BankRate Report View Year Chartered 1958 Employees 0 Primary Regulator Assets and Liabilities Assets $119,000 Loans $58,000 Deposits $109,000 Equity Capital $10,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $3,000 Historic Data - December 2010 Assets $97,000 Equity Capital $11,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 10.34% Return on Assets -0.84% Return on Equity -10% Interest Income $6,000

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 G.C.I.U. Local 235 Credit Union had $3,000 in non-current loans and owned real-estate with $11,000 in equity and loan loss allowances on hand to cover it. This gives G.C.I.U. Local 235 Credit Union a Texas Ratio of 27.27% 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 G.C.I.U. Local 235 Credit Union decreased slightly from 36.36% as of December 31, 2010 to 27.27% as of December 31, 2011, resulting in a positive change of 25.00%.This indicates that the balance sheet and financial strength for G.C.I.U. Local 235 Credit Union has improved slightly in recent periods. Deposit Growth In the past year, G.C.I.U. Local 235 Credit Union has increased its total deposits by $23,000, resulting in 26.74% 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 G.C.I.U. Local 235 Credit Union 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. G.C.I.U. Local 235 Credit Union has $119,000 in assets with $11,000 in equity, resulting in a capitalization level of 9.24%, which is average.

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