N R L Credit Union

P.O Box 1026
Oxon Hill, MD 207501026
(301) 839-8400
www.nrlfcu.org

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N R L Credit Union is headquartered in Oxon Hill and is the 10^st largest credit union in the state of Maryland. It is also the 427^th largest credit union in the nation. It was established in 1946 and as of December of 2011, it had grown to 76 employees and 20,088 members. N R L Credit Union has a 4-star health rating.

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See Rates for: Savings | Money Market | CD | IRA

N R L Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Coverdell ESA Account
0.15%	-	-	Traditional IRA Share Account
0.15%	-	-	Roth IRA Share Account
0.10%	-	-	Savings Account
0.10%	-	-	Club Account

N R L Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$100k	-	VIP Money Maker Account
0.35%	$100k	-	Money Maker Account

N R L Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$500	-	84 Month Loyalty Reward Share Certificate
1.50%	$500	-	84 Month Share Certificate
1.50%	$500	-	60 Month Loyalty Reward Share Certificate
1.26%	$500	-	48 Month Loyalty Reward Share Certificate
1.25%	$500	-	60 Month Share Certificate
1.00%	$500	-	48 Month Share Certificate
1.00%	$500	-	36 Month Loyalty Reward Share Certificate
0.75%	$500	-	36 Month Share Certificate
0.75%	$500	-	24 Month Loyalty Reward Share Certificate
0.60%	$500	-	36 Month Bump-Up Share Certificate
0.50%	$500	-	24 Month Share Certificate
0.50%	$500	-	12 Month Loyalty Reward Share Certificate
0.50%	-	-	36 Month Build-A-Dream Certificate
0.35%	$500	-	6 Month Loyalty Reward Share Certificate
0.35%	$500	-	24 Month Bump-Up Share Certificate
0.25%	$500	-	12 Month Share Certificate
0.25%	-	-	24 Month Build-A-Dream Certificate
0.25%	-	-	24 Month No Excuses Certificate
0.10%	$500	-	6 Month Share Certificate
0.10%	-	-	12 Month Build-A-Dream Certificate
0.10%	-	-	12 Month Cash Hound Stash Certificate

N R L Credit Union IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	84 Month Loyalty Reward IRA Certificate
1.75%	$500	-	84 Month Loyalty Reward Roth IRA Certificate
1.50%	$500	-	84 Month IRA Certificate
1.50%	$500	-	84 Month Roth IRA Certificate
1.50%	$500	-	60 Month Loyalty Reward IRA Certificate
1.50%	$500	-	60 Month Loyalty Reward Roth IRA Certificate
1.26%	$500	-	48 Month Loyalty Reward IRA Certificate
1.26%	$500	-	48 Month Loyalty Reward Roth IRA Certificate
1.25%	$500	-	60 Month IRA Certificate
1.25%	$500	-	60 Month Roth IRA Certificate
1.00%	$500	-	48 Month IRA Certificate
1.00%	$500	-	48 Month Roth IRA Certificate
1.00%	$500	-	36 Month Loyalty Reward IRA Certificate
1.00%	$500	-	36 Month Loyalty Reward Roth IRA Certificate
0.75%	$500	-	36 Month IRA Certificate
0.75%	$500	-	36 Month Roth IRA Certificate
0.75%	$500	-	24 Month Loyalty Reward IRA Certificate
0.75%	$500	-	24 Month Loyalty Reward Roth IRA Certificate
0.60%	$500	-	36 Month Bump-Up IRA Certificate
0.60%	$500	-	36 Month Bump-Up Roth IRA Certificate
0.50%	$500	-	24 Month IRA Certificate
0.50%	$500	-	24 Month Roth IRA Certificate
0.50%	$500	-	12 Month Loyalty Reward IRA Certificate
0.50%	$500	-	12 Month Loyalty Reward Roth IRA Certificate
0.35%	$500	-	6 Month Loyalty Reward IRA Certificate
0.35%	$500	-	24 Month Bump-Up IRA Certificate
0.35%	$500	-	24 Month Bump-Up Roth IRA Certificate
0.25%	$500	-	12 Month IRA Certificate
0.25%	$500	-	12 Month Roth IRA Certificate
0.10%	$500	-	6 Month IRA Certificate

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

N R L
NCUA #	5380
BankRate Report	View
Year Chartered	1946
Employees	76
Primary Regulator
Assets and Liabilities
Assets	$459.05 million
Loans	$246.91 million
Deposits	$414.77 million
Equity Capital	$40.24 million
Loan Loss Allowance	$1.81 million
Unbacked Noncurrent Loans	$2.93 million
Historic Data - December 2010
Assets	$454.78 million
Equity Capital	$39.65 million
Loan Loss Allowance	$1.33 million
Unbacked Noncurrent Loans	$1.97 million
Real Estate Owned	$77,000
Profit Margin - Quarterly
Net Interest Margin	4.81%
Return on Assets	0.08%
Return on Equity	0.96%
Interest Income	$16.06 million
Non-Interest Income	$4.52 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 N R L Credit Union had $2.93 million in non-current loans and owned real-estate with $42.05 million in equity and loan loss allowances on hand to cover it. This gives N R L Credit Union a Texas Ratio of 6.96% 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 N R L Credit Union held steady from 5.00% as of December 31, 2010 to 6.96% as of December 31, 2011, resulting in a negative change of 39.12%. This indicates that the balance sheet and financial strength for N R L Credit Union has held steady in recent periods.
Deposit Growth
In the past year, N R L Credit Union has increased its total deposits by $3.33 million, resulting in 0.81% 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 R L 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. N R L Credit Union has $459.05 million in assets with $42.05 million in equity, resulting in a capitalization level of 9.16%, which is average.

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