Kel-Co Credit Union

Kel-Co Credit Union is headquartered in Cumberland and is the 47^th largest credit union in the state of Maryland. It is also the 2,174^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 15 employees and 5,831 members. Kel-Co Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics KEL-CO NCUA # 9965 BankRate Report View Year Chartered 1955 Employees 15 Primary Regulator Assets and Liabilities Assets $53.18 million Loans $29.39 million Deposits $46.90 million Equity Capital $6.19 million Loan Loss Allowance $610,000 Unbacked Noncurrent Loans $522,000 Historic Data - December 2010 Assets $53.78 million Equity Capital $6.14 million Loan Loss Allowance $504,000 Unbacked Noncurrent Loans $420,000 Profit Margin - Quarterly Net Interest Margin 5.52% Return on Assets 0.13% Return on Equity 1.13% Interest Income $2.10 million Non-Interest Income $297,000

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 Kel-Co Credit Union had $522,000 in non-current loans and owned real-estate with $6.8 million in equity and loan loss allowances on hand to cover it. This gives Kel-Co Credit Union a Texas Ratio of 7.68% 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 Kel-Co Credit Union held steady from 6.33% as of December 31, 2010 to 7.68% as of December 31, 2011, resulting in a negative change of 21.43%. This indicates that the balance sheet and financial strength for Kel-Co Credit Union has held steady in recent periods. Deposit Growth In the past year, Kel-Co Credit Union has decreased its total deposits by $-692,000, resulting in -1.45% 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 Kel-Co 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. Kel-Co Credit Union has $53.18 million in assets with $6.8 million in equity, resulting in a capitalization level of 12.78%, which is excellent.

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