Gwinnett Credit Union

Gwinnett Credit Union is headquartered in Lawrenceville and is the 12^st largest credit union in the state of Georgia. It is also the 910^st largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 84 employees and 34,346 members. Gwinnett Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics GWINNETT NCUA # 14676 BankRate Report View Year Chartered 1961 Employees 84 Primary Regulator Assets and Liabilities Assets $185.03 million Loans $96.62 million Deposits $166.22 million Equity Capital $15.05 million Loan Loss Allowance $757,000 Unbacked Noncurrent Loans $1.64 million Real Estate Owned $388,000 Historic Data - December 2010 Assets $160.92 million Equity Capital $13.05 million Loan Loss Allowance $920,000 Unbacked Noncurrent Loans $2.85 million Real Estate Owned $107,000 Profit Margin - Quarterly Net Interest Margin 5.94% Return on Assets 1.08% Return on Equity 13.24% Interest Income $7.42 million Non-Interest Income $5.20 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 Gwinnett Credit Union had $2.03 million in non-current loans and owned real-estate with $15.8 million in equity and loan loss allowances on hand to cover it. This gives Gwinnett Credit Union a Texas Ratio of 12.83% 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 Gwinnett Credit Union decreased slightly from 21.16% as of December 31, 2010 to 12.83% as of December 31, 2011, resulting in a positive change of 39.36%.This indicates that the balance sheet and financial strength for Gwinnett Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Gwinnett Credit Union has increased its total deposits by $21.4 million, resulting in 14.77% 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 Gwinnett 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. Gwinnett Credit Union has $185.03 million in assets with $15.8 million in equity, resulting in a capitalization level of 8.54%, which is average.

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