Kentucky Employees Credit Union

Kentucky Employees Credit Union is headquartered in FRANKFORT and is the 18^st largest credit union in the state of Kentucky. It is also the 2,015^st largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 20 employees and 8,476 members. Kentucky Employees Credit Union has a 4-star health rating.

Kentucky Employees Credit Union Routing Number: 283978467

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Data for Q4 2011

Institution Statistics KENTUCKY EMPLOYEES NCUA # 62431 BankRate Report View Year Chartered 1938 Employees 20 Primary Regulator Assets and Liabilities Assets $59.22 million Loans $37.39 million Deposits $48.68 million Equity Capital $5.96 million Loan Loss Allowance $433,000 Unbacked Noncurrent Loans $1.01 million Historic Data - December 2010 Assets $57.07 million Equity Capital $5.48 million Loan Loss Allowance $341,000 Unbacked Noncurrent Loans $543,000 Profit Margin - Quarterly Net Interest Margin 5.7% Return on Assets 0.82% Return on Equity 8.14% Interest Income $2.83 million Non-Interest Income $1.11 million

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 Kentucky Employees Credit Union had $1.01 million in non-current loans and owned real-estate with $6.39 million in equity and loan loss allowances on hand to cover it. This gives Kentucky Employees Credit Union a Texas Ratio of 15.75% 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 Kentucky Employees Credit Union increased slightly from 9.34% as of December 31, 2010 to 15.75% as of December 31, 2011, resulting in a negative change of 68.74%. This indicates that the balance sheet and financial strength for Kentucky Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Kentucky Employees Credit Union has increased its total deposits by $2.38 million, resulting in 5.14% 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 Kentucky Employees 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. Kentucky Employees Credit Union has $59.22 million in assets with $6.39 million in equity, resulting in a capitalization level of 10.79%, which is above average.

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