Infinity Credit Union

Infinity Credit Union is headquartered in Westbrook and is the 2^nd largest credit union in the state of Maine. It is also the 681^st largest credit union in the nation. It was established in 1976 and as of December of 2011, it had grown to 58 employees and 14,509 members. Infinity Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics INFINITY NCUA # 24173 BankRate Report View Year Chartered 1976 Employees 58 Primary Regulator Assets and Liabilities Assets $274.65 million Loans $146.50 million Deposits $167.11 million Equity Capital $27.13 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $982,000 Real Estate Owned $350,000 Historic Data - December 2010 Assets $238.57 million Equity Capital $22.15 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $1.66 million Real Estate Owned $603,000 Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets 0.8% Return on Equity 8.11% Interest Income $10.79 million Non-Interest Income $2.76 million

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 Infinity Credit Union had $1.33 million in non-current loans and owned real-estate with $28.18 million in equity and loan loss allowances on hand to cover it. This gives Infinity Credit Union a Texas Ratio of 4.73% 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 Infinity Credit Union decreased significantly from 9.66% as of December 31, 2010 to 4.73% as of December 31, 2011, resulting in a positive change of 51.10%.This indicates that the balance sheet and financial strength for Infinity Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Infinity Credit Union has increased its total deposits by $15.44 million, resulting in 10.18% 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 Infinity 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. Infinity Credit Union has $274.64 million in assets with $28.18 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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