I B E W 175 Credit Union

I B E W 175 Credit Union is headquartered in CHATTANOOGA and is the 145^th largest credit union in the state of Tennessee. It is also the 5,816^st largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 2 employees and 1,527 members. I B E W 175 Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics I B E W 175 NCUA # 14634 BankRate Report View Year Chartered 1961 Employees 2 Primary Regulator Assets and Liabilities Assets $3.78 million Loans $2.39 million Deposits $3.26 million Equity Capital $510,000 Loan Loss Allowance $85,000 Unbacked Noncurrent Loans $11,000 Historic Data - December 2010 Assets $3.82 million Equity Capital $502,000 Loan Loss Allowance $82,000 Unbacked Noncurrent Loans $29,000 Profit Margin - Quarterly Net Interest Margin 7.7% Return on Assets 0.21% Return on Equity 1.57% Interest Income $204,000 Non-Interest Income $12,000

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 I B E W 175 Credit Union had $11,000 in non-current loans and owned real-estate with $595,000 in equity and loan loss allowances on hand to cover it. This gives I B E W 175 Credit Union a Texas Ratio of 1.85% 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 I B E W 175 Credit Union decreased significantly from 4.97% as of December 31, 2010 to 1.85% as of December 31, 2011, resulting in a positive change of 62.77%.This indicates that the balance sheet and financial strength for I B E W 175 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, I B E W 175 Credit Union has decreased its total deposits by $-41,000, resulting in -1.24% 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 I B E W 175 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. I B E W 175 Credit Union has $3.78 million in assets with $595,000 in equity, resulting in a capitalization level of 15.72%, which is excellent.

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