Friends and Family Credit Union

Friends and Family Credit Union is headquartered in Massillon and is the 85^th largest credit union in the state of Ohio. It is also the 2,073^rd largest credit union in the nation. It was established in 1958 and as of June of 2011, it had grown to 14 employees and 6,832 members. Friends and Family Credit Union has a 5-star health rating.

Friends and Family Credit Union Routing Number: 241280252

Data for Q2 2011

Institution Statistics MASSILLON AREA ASI # Member BankRate Report View Year Chartered 1958 Employees 14 Primary Regulator Assets and Liabilities Assets $56.62 million Loans $36.39 million Deposits $51.60 million Equity Capital $4.77 million Loan Loss Allowance $193,000 Unbacked Noncurrent Loans $192,000 Historic Data - June 2010 Assets $51.91 million Equity Capital $4.43 million Loan Loss Allowance $126,000 Unbacked Noncurrent Loans $117,000 Profit Margin - Quarterly Net Interest Margin 1.97% Return on Assets 0.57% Return on Equity 6.71% Interest Income $1.11 million Non-Interest Income $282,000

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 June 30, 2011 Friends and Family Credit Union had $192,000 in non-current loans and owned real-estate with $4.96 million in equity and loan loss allowances on hand to cover it. This gives Friends and Family Credit Union a Texas Ratio of 3.87% 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 Friends and Family Credit Union held steady from 2.57% as of June 30, 2010 to 3.87% as of June 30, 2011, resulting in a negative change of 50.67%. This indicates that the balance sheet and financial strength for Friends and Family Credit Union has held steady in recent periods. Deposit Growth In the past year, Friends and Family Credit Union has increased its total deposits by $4.32 million, resulting in 9.14% 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 Friends and Family 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. Friends and Family Credit Union has $56.62 million in assets with $4.96 million in equity, resulting in a capitalization level of 8.76%, which is average.

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