Last Credit Union

Last Credit Union is headquartered in LONG ISLAND CIT and is the 420^th largest credit union in the state of New York. It is also the 7,146^th largest credit union in the nation. It was established in 1979 and as of December of 2011, it had grown to employees and 430 members. Last Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics LAST NCUA # 23317 BankRate Report View Year Chartered 1979 Employees 0 Primary Regulator Assets and Liabilities Assets $176,000 Loans $70,000 Deposits $127,000 Equity Capital $50,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $7,000 Historic Data - December 2010 Assets $145,000 Equity Capital $48,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $1,000 Profit Margin - Quarterly Net Interest Margin 12.07% Return on Assets 1.14% Return on Equity 4% Interest Income $8,000 Non-Interest Income $5,000

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 Last Credit Union had $7,000 in non-current loans and owned real-estate with $51,000 in equity and loan loss allowances on hand to cover it. This gives Last Credit Union a Texas Ratio of 13.73% 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 Last Credit Union increased slightly from 2.04% as of December 31, 2010 to 13.73% as of December 31, 2011, resulting in a negative change of 572.55%. This indicates that the balance sheet and financial strength for Last Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Last Credit Union has increased its total deposits by $29,000, resulting in 29.59% 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 Last 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. Last Credit Union has $176,000 in assets with $51,000 in equity, resulting in a capitalization level of 28.98%, which is excellent.

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