Life Line Credit Union, Inc.

Life Line Credit Union, Inc. is headquartered in Richmond and is the 114^st largest credit union in the state of Virginia. It is also the 4,843^rd largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 4 employees and 2,287 members. Life Line Credit Union, Inc. has a 1-star health rating.

Life Line Credit Union, Inc. Money Market Rates

Life Line Credit Union, Inc. CD Rates

Data for Q4 2011

Institution Statistics LIFE LINE CREDIT UNION, INC. NCUA # 66930 BankRate Report View Year Chartered 1969 Employees 4 Primary Regulator Assets and Liabilities Assets $8.48 million Loans $6.67 million Deposits $7.89 million Equity Capital $594,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $456,000 Real Estate Owned $416,000 Historic Data - December 2010 Assets $8.75 million Equity Capital $550,000 Loan Loss Allowance $47,000 Unbacked Noncurrent Loans $319,000 Real Estate Owned $137,000 Profit Margin - Quarterly Net Interest Margin 6.82% Return on Assets 0.73% Return on Equity 10.44% Interest Income $482,000 Non-Interest Income $207,000

Institution Health Overall Score: 1 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 Life Line Credit Union, Inc. had $872,000 in non-current loans and owned real-estate with $596,000 in equity and loan loss allowances on hand to cover it. This gives Life Line Credit Union, Inc. a Texas Ratio of 146.31% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Life Line Credit Union, Inc. increased slightly from 76.38% as of December 31, 2010 to 146.31% as of December 31, 2011, resulting in a negative change of 91.55%. This indicates that the balance sheet and financial strength for Life Line Credit Union, Inc. has declined slightly in recent periods. Deposit Growth In the past year, Life Line Credit Union, Inc. has decreased its total deposits by $-303,000, resulting in -3.7% 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 Life Line Credit Union, Inc. 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. Life Line Credit Union, Inc. has $8.48 million in assets with $596,000 in equity, resulting in a capitalization level of 7.02%, which is below average.

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