Martinsville Dupont Emp Credit Unio Credit Union

Martinsville Dupont Emp Credit Unio Credit Union is headquartered in Martinsville and is the 22^nd largest credit union in the state of Virginia. It is also the 707^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 54 employees and 25,766 members. Martinsville Dupont Emp Credit Unio Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics MARTINSVILLE DUPONT EMP CREDIT UNIO NCUA # 66924 BankRate Report View Year Chartered 1953 Employees 54 Primary Regulator Assets and Liabilities Assets $261.64 million Loans $152.41 million Deposits $223.35 million Equity Capital $37.63 million Loan Loss Allowance $634,000 Unbacked Noncurrent Loans $1.58 million Real Estate Owned $1.11 million Historic Data - December 2010 Assets $260.61 million Equity Capital $36.24 million Loan Loss Allowance $426,000 Unbacked Noncurrent Loans $1.66 million Real Estate Owned $1.04 million Profit Margin - Quarterly Net Interest Margin 4.4% Return on Assets 0.55% Return on Equity 3.81% Interest Income $8.60 million Non-Interest Income $2.67 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 Martinsville Dupont Emp Credit Unio Credit Union had $2.69 million in non-current loans and owned real-estate with $38.26 million in equity and loan loss allowances on hand to cover it. This gives Martinsville Dupont Emp Credit Unio Credit Union a Texas Ratio of 7.03% 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 Martinsville Dupont Emp Credit Unio Credit Union held steady from 7.37% as of December 31, 2010 to 7.03% as of December 31, 2011, resulting in a positive change of 4.66%.This indicates that the balance sheet and financial strength for Martinsville Dupont Emp Credit Unio Credit Union has held steady in recent periods. Deposit Growth In the past year, Martinsville Dupont Emp Credit Unio Credit Union has decreased its total deposits by $-553,000, resulting in -0.25% 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 Martinsville Dupont Emp Credit Unio Credit Union has shown is 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. Martinsville Dupont Emp Credit Unio Credit Union has $261.64 million in assets with $38.26 million in equity, resulting in a capitalization level of 14.62%, which is excellent.

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