Georgia United CU

Georgia United CU is headquartered in DULUTH and is the 6^th largest credit union in the state of Georgia. It is also the 210^st largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 196 employees and 115,774 members. Georgia United CU has a 5-star health rating.

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Data for Q4 2011

Institution Statistics GEORGIA UNITED NCUA # 68607 BankRate Report View Year Chartered 1958 Employees 196 Primary Regulator Assets and Liabilities Assets $893.02 million Loans $437.41 million Deposits $782.70 million Equity Capital $97.00 million Loan Loss Allowance $4.12 million Unbacked Noncurrent Loans $5.14 million Real Estate Owned $2.46 million Historic Data - December 2010 Assets $636.54 million Equity Capital $73.83 million Loan Loss Allowance $3.33 million Unbacked Noncurrent Loans $2.67 million Real Estate Owned $2.45 million Profit Margin - Quarterly Net Interest Margin 5.21% Return on Assets 0.48% Return on Equity 4.47% Interest Income $28.51 million Non-Interest Income $9.25 million

Institution Health Overall Score: 5 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 Georgia United CU had $7.59 million in non-current loans and owned real-estate with $101.12 million in equity and loan loss allowances on hand to cover it. This gives Georgia United CU a Texas Ratio of 7.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Georgia United CU held steady from 6.63% as of December 31, 2010 to 7.51% as of December 31, 2011, resulting in a negative change of 13.34%. This indicates that the balance sheet and financial strength for Georgia United CU has held steady in recent periods. Deposit Growth In the past year, Georgia United CU has increased its total deposits by $227.07 million, resulting in 40.87% 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 Georgia United 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. Georgia United CU has $893.02 million in assets with $101.12 million in equity, resulting in a capitalization level of 11.32%, which is above average.

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