K & E Employees Credit Union

K & E Employees Credit Union is headquartered in Hoboken and is the 176^th largest credit union in the state of New Jersey. It is also the 6,608^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 1 employees and 111 members. K & E Employees Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics K & E EMPLOYEES NCUA # 6444 BankRate Report View Year Chartered 1949 Employees 1 Primary Regulator Assets and Liabilities Assets $1.24 million Loans $752,000 Deposits $948,000 Equity Capital $283,000 Loan Loss Allowance $27,000 Unbacked Noncurrent Loans $36,000 Historic Data - December 2010 Assets $1.28 million Equity Capital $287,000 Loan Loss Allowance $27,000 Unbacked Noncurrent Loans $54,000 Profit Margin - Quarterly Net Interest Margin 5.54% Return on Assets -0.32% Return on Equity -1.41% Interest Income $63,000

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 K & E Employees Credit Union had $36,000 in non-current loans and owned real-estate with $310,000 in equity and loan loss allowances on hand to cover it. This gives K & E Employees Credit Union a Texas Ratio of 11.61% 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 K & E Employees Credit Union decreased slightly from 17.20% as of December 31, 2010 to 11.61% as of December 31, 2011, resulting in a positive change of 32.47%.This indicates that the balance sheet and financial strength for K & E Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, K & E Employees Credit Union has decreased its total deposits by $-39,000, resulting in -3.95% 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 K & E Employees 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. K & E Employees Credit Union has $1.24 million in assets with $310,000 in equity, resulting in a capitalization level of 25.04%, which is excellent.

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