Mid-Atlantic Credit Union

Mid-Atlantic Credit Union is headquartered in Germantown and is the 22^nd largest credit union in the state of Maryland. It is also the 719^st largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 65 employees and 21,753 members. Mid-Atlantic Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics MID-ATLANTIC NCUA # 18716 BankRate Report View Year Chartered 1968 Employees 65 Primary Regulator Assets and Liabilities Assets $254.78 million Loans $186.82 million Deposits $224.84 million Equity Capital $19.89 million Loan Loss Allowance $2.39 million Unbacked Noncurrent Loans $1.68 million Real Estate Owned $2.05 million Historic Data - December 2010 Assets $246.20 million Equity Capital $20.25 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $3.48 million Real Estate Owned $2.85 million Profit Margin - Quarterly Net Interest Margin 5.13% Return on Assets -0.09% Return on Equity -1.18% Interest Income $10.69 million Non-Interest Income $5.46 million

Institution Health Overall Score: 4 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 Mid-Atlantic Credit Union had $3.73 million in non-current loans and owned real-estate with $22.28 million in equity and loan loss allowances on hand to cover it. This gives Mid-Atlantic Credit Union a Texas Ratio of 16.74% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mid-Atlantic Credit Union decreased significantly from 28.74% as of December 31, 2010 to 16.74% as of December 31, 2011, resulting in a positive change of 41.76%.This indicates that the balance sheet and financial strength for Mid-Atlantic Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Mid-Atlantic Credit Union has increased its total deposits by $16.72 million, resulting in 8.03% 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 Mid-Atlantic 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. Mid-Atlantic Credit Union has $254.78 million in assets with $22.28 million in equity, resulting in a capitalization level of 8.74%, which is average.

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