Napus Credit Union

Napus Credit Union is headquartered in Alexandria and is the 22^nd largest credit union in the state of Virginia. It is also the 711^st largest credit union in the nation. It was established in 1970 and as of December of 2012, it had grown to 45 employees and 26,349 members. Napus Credit Union's CD rates are 34% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics NAPUS NCUA # 20061 BankRate Report View Year Chartered 1970 Employees 45 Primary Regulator Assets and Liabilities Assets $273.01 million Loans $224.69 million Deposits $233.47 million Equity Capital $31.35 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $1.19 million Real Estate Owned $117,000 Historic Data - December 2011 Assets $275.78 million Equity Capital $29.33 million Loan Loss Allowance $1.57 million Unbacked Noncurrent Loans $2.04 million Real Estate Owned $464,000 Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 0.71% Return on Equity 6.19% Interest Income $12.15 million Non-Interest Income $2.53 million

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, 2012 Napus Credit Union had $1.31 million in non-current loans and owned real-estate with $33.01 million in equity and loan loss allowances on hand to cover it. This gives Napus Credit Union a Texas Ratio of 3.96% 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 Napus Credit Union decreased significantly from 8.10% as of December 31, 2011 to 3.96% as of December 31, 2012, resulting in a positive change of 51.06%.This indicates that the balance sheet and financial strength for Napus Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Napus Credit Union has decreased its total deposits by -$6.18 million, resulting in -2.58% 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 Napus Credit Union has shown is below 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. Napus Credit Union has $273.01 million in assets with $33.01 million in equity, resulting in a capitalization level of 12.09%, which is excellent.