Georgia Power Valdosta Credit Union

Georgia Power Valdosta Credit Union is headquartered in VALDOSTA and is the 60^th largest credit union in the state of Georgia. It is also the 3,288^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 5 employees and 3,168 members. Georgia Power Valdosta Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics GEORGIA POWER VALDOSTA NCUA # 12291 BankRate Report View Year Chartered 1958 Employees 5 Primary Regulator Assets and Liabilities Assets $23.75 million Loans $16.27 million Deposits $21.25 million Equity Capital $2.48 million Loan Loss Allowance $172,000 Unbacked Noncurrent Loans $384,000 Real Estate Owned $307,000 Historic Data - December 2010 Assets $23.37 million Equity Capital $2.36 million Loan Loss Allowance $173,000 Unbacked Noncurrent Loans $132,000 Real Estate Owned $360,000 Profit Margin - Quarterly Net Interest Margin 6.15% Return on Assets 0.49% Return on Equity 4.72% Interest Income $1.31 million Non-Interest Income $267,000

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 Georgia Power Valdosta Credit Union had $691,000 in non-current loans and owned real-estate with $2.65 million in equity and loan loss allowances on hand to cover it. This gives Georgia Power Valdosta Credit Union a Texas Ratio of 26.07% 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 Georgia Power Valdosta Credit Union increased slightly from 19.42% as of December 31, 2010 to 26.07% as of December 31, 2011, resulting in a negative change of 34.20%. This indicates that the balance sheet and financial strength for Georgia Power Valdosta Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Georgia Power Valdosta Credit Union has increased its total deposits by $287,000, resulting in 1.37% 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 Power Valdosta Credit Union has shown is above 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. Georgia Power Valdosta Credit Union has $23.75 million in assets with $2.65 million in equity, resulting in a capitalization level of 11.16%, which is above average.

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