Inter-American Credit Union

Inter-American Credit Union is headquartered in BROOKLYN and is the 369^th largest credit union in the state of New York. It is also the 6,692^nd largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to employees and 417 members. Inter-American Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics INTER-AMERICAN NCUA # 16285 BankRate Report View Year Chartered 1964 Employees 0 Primary Regulator Assets and Liabilities Assets $1.02 million Loans $228,000 Deposits $879,000 Equity Capital $127,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $27,000 Historic Data - December 2010 Assets $1.05 million Equity Capital $117,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $31,000 Profit Margin - Quarterly Net Interest Margin 11.84% Return on Assets 0.59% Return on Equity 4.72% Interest Income $40,000

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 Inter-American Credit Union had $27,000 in non-current loans and owned real-estate with $136,000 in equity and loan loss allowances on hand to cover it. This gives Inter-American Credit Union a Texas Ratio of 19.85% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Inter-American Credit Union decreased slightly from 25.41% as of December 31, 2010 to 19.85% as of December 31, 2011, resulting in a positive change of 21.87%.This indicates that the balance sheet and financial strength for Inter-American Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Inter-American Credit Union has decreased its total deposits by $-16,000, resulting in -1.79% 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 Inter-American 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. Inter-American Credit Union has $1.02 million in assets with $136,000 in equity, resulting in a capitalization level of 13.35%, which is excellent.

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