N Y Team Credit Union

N Y Team Credit Union is headquartered in Hicksville and is the 141^st largest credit union in the state of New York. It is also the 2,943^rd largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 16 employees and 7,143 members. N Y Team Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

N Y Team Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics N Y TEAM NCUA # 19216 BankRate Report View Year Chartered 1969 Employees 16 Primary Regulator Assets and Liabilities Assets $29.91 million Loans $15.77 million Deposits $28.07 million Equity Capital $1.54 million Loan Loss Allowance $106,000 Unbacked Noncurrent Loans $58,000 Historic Data - December 2010 Assets $29.87 million Equity Capital $2.48 million Loan Loss Allowance $103,000 Unbacked Noncurrent Loans $84,000 Profit Margin - Quarterly Net Interest Margin 7.93% Return on Assets -1.1% Return on Equity -21.36% Interest Income $1.47 million Non-Interest Income $433,000

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 Y Team Credit Union had $58,000 in non-current loans and owned real-estate with $1.65 million in equity and loan loss allowances on hand to cover it. This gives N Y Team Credit Union a Texas Ratio of 3.52% 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 Y Team Credit Union held steady from 3.25% as of December 31, 2010 to 3.52% as of December 31, 2011, resulting in a negative change of 8.40%. This indicates that the balance sheet and financial strength for N Y Team Credit Union has held steady in recent periods. Deposit Growth In the past year, N Y Team Credit Union has increased its total deposits by $972,000, resulting in 3.59% 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 Y Team Credit Union has shown is above 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 Y Team Credit Union has $29.91 million in assets with $1.65 million in equity, resulting in a capitalization level of 5.50%, which is below average.

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