NCP Community Development Credit Union

NCP Community Development Credit Union is headquartered in Chesapeake and is the 162^nd largest credit union in the state of Virginia. It is also the 6,445^th largest credit union in the nation. It was established in 1999 and as of September of 2011, it had grown to employees and 596 members. NCP Community Development Credit Union has a 4-star health rating.

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Data for Q3 2011

Institution Statistics NCP COMMUNITY DEVELOPMENT NCUA # 24618 BankRate Report View Year Established 1999 Employees 0 Primary Regulator Assets and Liabilities Assets $1.88 million Loans $730,000 Deposits $1.54 million Equity Capital $274,000 Loan Loss Allowance $34,000 Unbacked Noncurrent Loans $12,000 Historic Data - September 2010 Assets $2.33 million Equity Capital $260,000 Loan Loss Allowance $34,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.99% Return on Equity 6.81% Interest Income $42,000 Non-Interest Income $28,000

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 September 30, 2011 NCP Community Development Credit Union had $12,000 in non-current loans and owned real-estate with $308,000 in equity and loan loss allowances on hand to cover it. This gives NCP Community Development Credit Union a Texas Ratio of 3.90% 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 NCP Community Development Credit Union held steady from 1.36% as of September 30, 2010 to 3.90% as of September 30, 2011, resulting in a negative change of 186.36%. This indicates that the balance sheet and financial strength for NCP Community Development Credit Union has held steady in recent periods. Deposit Growth In the past year, NCP Community Development Credit Union has decreased its total deposits by $-480,000, resulting in -23.74% 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 NCP Community Development Credit Union has shown is poor. 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. NCP Community Development Credit Union has $1.88 million in assets with $308,000 in equity, resulting in a capitalization level of 16.41%, which is excellent.

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