Leaders Credit Union

Leaders Credit Union is headquartered in JACKSON and is the 22^nd largest credit union in the state of Tennessee. It is also the 1,023^rd largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 63 employees and 25,343 members. Leaders Credit Union's savings rates are 54% higher than the national average, and it boasts a 5-star health rating.

Leaders Credit Union Routing Number: 284383886

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Data for Q4 2011

Institution Statistics LEADERS CREDIT UNION NCUA # 61185 BankRate Report View Year Chartered 1957 Employees 63 Primary Regulator Assets and Liabilities Assets $156.98 million Loans $109.73 million Deposits $134.31 million Equity Capital $18.08 million Loan Loss Allowance $2.65 million Unbacked Noncurrent Loans $720,000 Real Estate Owned $386,000 Historic Data - December 2010 Assets $132.18 million Equity Capital $13.61 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $795,000 Real Estate Owned $365,000 Profit Margin - Quarterly Net Interest Margin 5.47% Return on Assets 1.65% Return on Equity 14.31% Interest Income $7.30 million Non-Interest Income $4.80 million

Institution Health Overall Score: 5 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 Leaders Credit Union had $1.11 million in non-current loans and owned real-estate with $20.73 million in equity and loan loss allowances on hand to cover it. This gives Leaders Credit Union a Texas Ratio of 5.34% 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 Leaders Credit Union decreased slightly from 7.28% as of December 31, 2010 to 5.34% as of December 31, 2011, resulting in a positive change of 26.72%.This indicates that the balance sheet and financial strength for Leaders Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Leaders Credit Union has increased its total deposits by $20.5 million, resulting in 18.01% 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 Leaders 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. Leaders Credit Union has $156.98 million in assets with $20.73 million in equity, resulting in a capitalization level of 13.20%, which is excellent.

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