I Trust Credit Union

I Trust Credit Union is headquartered in Memphis and is the 101^st largest credit union in the state of Tennessee. It is also the 3,974^th largest credit union in the nation. It was established in 1971 and as of December of 2011, it had grown to 12 employees and 3,122 members. I Trust Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

I Trust Credit Union Savings Account Rates

I Trust Credit Union CD Rates

I Trust Credit Union IRA Rates

Data for Q4 2011

Institution Statistics I TRUST NCUA # 20722 BankRate Report View Year Chartered 1971 Employees 12 Primary Regulator Assets and Liabilities Assets $15.10 million Loans $8.82 million Deposits $13.08 million Equity Capital $1.84 million Loan Loss Allowance $326,000 Unbacked Noncurrent Loans $219,000 Historic Data - December 2010 Assets $13.25 million Equity Capital $1.74 million Loan Loss Allowance $293,000 Unbacked Noncurrent Loans $192,000 Profit Margin - Quarterly Net Interest Margin 11.22% Return on Assets 0.7% Return on Equity 5.7% Interest Income $1.11 million Non-Interest Income $390,000

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 Trust Credit Union had $219,000 in non-current loans and owned real-estate with $2.17 million in equity and loan loss allowances on hand to cover it. This gives I Trust Credit Union a Texas Ratio of 10.10% 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 I Trust Credit Union held steady from 9.46% as of December 31, 2010 to 10.10% as of December 31, 2011, resulting in a negative change of 6.70%. This indicates that the balance sheet and financial strength for I Trust Credit Union has held steady in recent periods. Deposit Growth In the past year, I Trust Credit Union has increased its total deposits by $1.72 million, resulting in 15.15% 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 Trust 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. I Trust Credit Union has $15.1 million in assets with $2.17 million in equity, resulting in a capitalization level of 14.36%, which is excellent.

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