LGE Community Credit Union

430 Commerce Park Drive
Marietta, GA 30060
770-424-0060
www.lgeccu.org

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LGE Community Credit Union is headquartered in Marietta and is the 7^th largest credit union in the state of Georgia. It is also the 231^st largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 189 employees and 98,872 members. LGE Community Credit Union has a 5-star health rating.

LGE Community Credit Union Routing Number: 261171480

$100 Reward Checking Bonus At LGE Community CU To Expire On 11/15 In Georgia (Forum) - 11/4/2010

Just a few more days to take advantage of the $100 bonus for opening LGE Community Credit Union's High Rate Checking. To receive the bonus, the member is required to meet the reward checking requirements for the second month after the account is opened

$100 Reward Checking Account Bonus at LGE Community Credit Union in GA - Local Only - 9/26/2010

LGE Community Credit Union is offering a $100 bonus for opening its high-yield reward checking account. The offer is listed at this credit union's promotions page . It's scheduled to last until 11/15/ ...

High-Yield Reward Checking Account at LGE Community Credit Union in GA - Local Only - 11/23/2009

LGE Community Credit Union is offering a high-rate reward checking account witih the following rates and features if certain monthly requirements are met:3.50% APY on balances up to $25,0000.50% APY on the portion of the balance over $25,0000.00% base...

3.50% 60-Month CD at LGE Community Credit Union in GA - Local Only - 11/23/2009

LGE Community Credit Union is offering a 3.50% APY 60-month certificate. It's part of their Double 350 promotion in which you can get 3.50% APY on both their 5-year CD and their reward checking account (see post). Minimum deposit for the CD is $1,000....

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See Rates for: Checking | Savings | Money Market | CD | IRA

LGE Community Credit Union Checking Account Rates

Apy	Min	Max	Product
1.50%	-	$25k	High Rate Checking
0.00%	-	-	Simply Free Checking
0.00%	-	-	Prime Time Checking

LGE Community Credit Union Savings Account Rates

Apy	Min	Max	Product
5.00%	-	$500	Youth Savings Account
0.15%	-	-	Membership (Base) Savings
0.15%	-	-	IRA Savings - Roth
0.15%	-	-	Educational Savings Account
0.15%	-	-	IRA Savings - Traditional
0.00%	$50	-	Health Savings Account (HSA)

LGE Community Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$25k	-	Money Market

LGE Community Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month CD
1.25%	$1k	-	48 Month CD
1.00%	$1k	-	36 Month CD
0.70%	$1k	-	24 Month CD
0.40%	$1k	-	12 Month CD
0.25%	$1k	-	6 Month CD
0.15%	$1k	-	12 Month Freedom CD

LGE Community Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month IRA
1.50%	$1k	-	60 Month Roth IRA
1.50%	$1k	-	60 Month CESA
1.25%	$1k	-	48 Month IRA
1.25%	$1k	-	48 Month Roth IRA
1.25%	$1k	-	48 Month CESA
1.00%	$1k	-	36 Month IRA
1.00%	$1k	-	36 Month Roth IRA
1.00%	$1k	-	36 Month CESA
0.70%	$1k	-	24 Month IRA
0.70%	$1k	-	24 Month Roth IRA
0.70%	$1k	-	24 Month CESA
0.40%	$1k	-	12 Month IRA
0.40%	$1k	-	12 Month Roth IRA
0.40%	$1k	-	12 Month CESA
0.25%	$1k	-	6 Month IRA
0.25%	$1k	-	6 Month Roth IRA
0.25%	$1k	-	6 Month CESA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

LGE COMMUNITY
NCUA #	68581
BankRate Report	View
Year Chartered	1951
Employees	189
Primary Regulator
Assets and Liabilities
Assets	$828.16 million
Loans	$533.58 million
Deposits	$686.26 million
Equity Capital	$90.99 million
Loan Loss Allowance	$4.24 million
Unbacked Noncurrent Loans	$1.38 million
Real Estate Owned	$124,000
Historic Data - December 2010
Assets	$767.94 million
Equity Capital	$87.93 million
Loan Loss Allowance	$4.11 million
Unbacked Noncurrent Loans	$600,000
Real Estate Owned	$352,000
Profit Margin - Quarterly
Net Interest Margin	4.5%
Return on Assets	0.31%
Return on Equity	2.82%
Interest Income	$31.12 million
Non-Interest Income	$11.51 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 LGE Community Credit Union had $1.5 million in non-current loans and owned real-estate with $95.23 million in equity and loan loss allowances on hand to cover it. This gives LGE Community Credit Union a Texas Ratio of 1.58% 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 LGE Community Credit Union held steady from 1.03% as of December 31, 2010 to 1.58% as of December 31, 2011, resulting in a negative change of 52.29%. This indicates that the balance sheet and financial strength for LGE Community Credit Union has held steady in recent periods.
Deposit Growth
In the past year, LGE Community Credit Union has increased its total deposits by $51.55 million, resulting in 8.12% 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 LGE Community 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. LGE Community Credit Union has $828.16 million in assets with $95.23 million in equity, resulting in a capitalization level of 11.50%, which is above average.