Generations Community Credit Union

Generations Community Credit Union is headquartered in DURHAM and is the 58^th largest credit union in the state of North Carolina. It is also the 3,323^rd largest credit union in the nation. It was established in 1993 and as of December of 2011, it had grown to 23 employees and 9,000 members. Generations Community Credit Union's money market rates are 36% higher than the national average, but it has a 1-star health rating.

Generations Community Credit Union Savings Account Rates

Generations Community Credit Union Money Market Rates

Generations Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics GENERATIONS COMMUNITY NCUA # 68121 BankRate Report View Year Chartered 1993 Employees 23 Primary Regulator Assets and Liabilities Assets $23.21 million Loans $21.19 million Deposits $19.90 million Equity Capital $1.39 million Loan Loss Allowance $452,000 Unbacked Noncurrent Loans $2.19 million Real Estate Owned $141,000 Historic Data - December 2010 Assets $23.98 million Equity Capital $2.10 million Loan Loss Allowance $751,000 Unbacked Noncurrent Loans $5.56 million Real Estate Owned $404,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets -3.04% Return on Equity -50.75% Interest Income $1.19 million Non-Interest Income $693,000

Institution Health Overall Score: 1 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 Generations Community Credit Union had $2.33 million in non-current loans and owned real-estate with $1.84 million in equity and loan loss allowances on hand to cover it. This gives Generations Community Credit Union a Texas Ratio of 126.53% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Generations Community Credit Union decreased slightly from 209.16% as of December 31, 2010 to 126.53% as of December 31, 2011, resulting in a positive change of 39.50%.This indicates that the balance sheet and financial strength for Generations Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Generations Community Credit Union has decreased its total deposits by $-674,000, resulting in -3.28% 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 Generations Community 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. Generations Community Credit Union has $23.21 million in assets with $1.84 million in equity, resulting in a capitalization level of 7.94%, which is below average.

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