Howland - Enfield Credit Union

Howland - Enfield Credit Union is headquartered in HOWLAND and is the 59^th largest credit union in the state of Maine. It is also the 5,052^nd largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 5 employees and 1,767 members. Howland - Enfield Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics HOWLAND - ENFIELD NCUA # 14211 BankRate Report View Year Chartered 1961 Employees 5 Primary Regulator Assets and Liabilities Assets $7.38 million Loans $4.52 million Deposits $6.83 million Equity Capital $544,000 Loan Loss Allowance $25,000 Unbacked Noncurrent Loans $66,000 Historic Data - December 2010 Assets $7.79 million Equity Capital $561,000 Loan Loss Allowance $65,000 Unbacked Noncurrent Loans $56,000 Real Estate Owned $8,000 Profit Margin - Quarterly Net Interest Margin 6.73% Return on Assets -0.23% Return on Equity -3.13% Interest Income $354,000 Non-Interest Income $122,000

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 Howland - Enfield Credit Union had $66,000 in non-current loans and owned real-estate with $569,000 in equity and loan loss allowances on hand to cover it. This gives Howland - Enfield Credit Union a Texas Ratio of 11.60% 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 Howland - Enfield Credit Union held steady from 10.22% as of December 31, 2010 to 11.60% as of December 31, 2011, resulting in a negative change of 13.46%. This indicates that the balance sheet and financial strength for Howland - Enfield Credit Union has held steady in recent periods. Deposit Growth In the past year, Howland - Enfield Credit Union has decreased its total deposits by $-388,000, resulting in -5.38% 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 Howland - Enfield Credit Union has shown is poor. 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. Howland - Enfield Credit Union has $7.38 million in assets with $569,000 in equity, resulting in a capitalization level of 7.71%, which is below average.

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