Grafton Suburban Credit Union

Grafton Suburban Credit Union is headquartered in North Grafton and is the 49^th largest credit union in the state of Massachusetts. It is also the 1,232^nd largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 29 employees and 10,867 members. Grafton Suburban Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics GRAFTON SUBURBAN NCUA # 68057 BankRate Report View Year Chartered 1966 Employees 29 Primary Regulator Assets and Liabilities Assets $122.65 million Loans $66.13 million Deposits $103.51 million Equity Capital $14.25 million Loan Loss Allowance $323,000 Unbacked Noncurrent Loans $874,000 Real Estate Owned $404,000 Historic Data - December 2010 Assets $127.01 million Equity Capital $13.22 million Loan Loss Allowance $201,000 Unbacked Noncurrent Loans $1.60 million Real Estate Owned $169,000 Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.34% Return on Equity 2.91% Interest Income $4.65 million Non-Interest Income $1.39 million

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 Grafton Suburban Credit Union had $1.28 million in non-current loans and owned real-estate with $14.57 million in equity and loan loss allowances on hand to cover it. This gives Grafton Suburban Credit Union a Texas Ratio of 8.77% 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 Grafton Suburban Credit Union decreased slightly from 13.17% as of December 31, 2010 to 8.77% as of December 31, 2011, resulting in a positive change of 33.40%.This indicates that the balance sheet and financial strength for Grafton Suburban Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Grafton Suburban Credit Union has decreased its total deposits by -$3.32 million, resulting in -3.11% 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 Grafton Suburban 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. Grafton Suburban Credit Union has $122.65 million in assets with $14.57 million in equity, resulting in a capitalization level of 11.88%, which is above average.

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