N G M Employees Credit Union

N G M Employees Credit Union is headquartered in KEENE and is the 18^st largest credit union in the state of New Hampshire. It is also the 5,673^rd largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 2 employees and 1,455 members. N G M Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics N G M EMPLOYEES NCUA # 17793 BankRate Report View Year Chartered 1966 Employees 2 Primary Regulator Assets and Liabilities Assets $4.33 million Loans $2.45 million Deposits $3.81 million Equity Capital $510,000 Loan Loss Allowance $62,000 Unbacked Noncurrent Loans $68,000 Historic Data - December 2010 Assets $3.90 million Equity Capital $493,000 Loan Loss Allowance $38,000 Unbacked Noncurrent Loans $61,000 Profit Margin - Quarterly Net Interest Margin 6.96% Return on Assets 0.42% Return on Equity 3.53% Interest Income $202,000 Non-Interest Income $6,000

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 December 31, 2011 N G M Employees Credit Union had $68,000 in non-current loans and owned real-estate with $572,000 in equity and loan loss allowances on hand to cover it. This gives N G M Employees Credit Union a Texas Ratio of 11.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for N G M Employees Credit Union held steady from 11.49% as of December 31, 2010 to 11.89% as of December 31, 2011, resulting in a negative change of 3.49%. This indicates that the balance sheet and financial strength for N G M Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, N G M Employees Credit Union has increased its total deposits by $417,000, resulting in 12.28% 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 N G M Employees 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. N G M Employees Credit Union has $4.33 million in assets with $572,000 in equity, resulting in a capitalization level of 13.21%, which is excellent.

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