Norfolk Southern Emp Cu., Inc.

Norfolk Southern Emp Cu., Inc. is headquartered in Chesapeake and is the 158^th largest credit union in the state of Virginia. It is also the 6,314^st largest credit union in the nation. It was established in 1928 and as of December of 2011, it had grown to 2 employees and 966 members. Norfolk Southern Emp Cu., Inc.'s savings rates are 2X the national average, and it has a 4-star health rating.

Norfolk Southern Emp Cu., Inc. Checking Account Rates

Norfolk Southern Emp Cu., Inc. Savings Account Rates

Data for Q4 2011

Institution Statistics NORFOLK SOUTHERN EMP CU., INC. NCUA # 66916 BankRate Report View Year Chartered 1928 Employees 2 Primary Regulator Assets and Liabilities Assets $2.04 million Loans $1.71 million Deposits $1.73 million Equity Capital $304,000 Loan Loss Allowance $12,000 Unbacked Noncurrent Loans $28,000 Historic Data - December 2010 Assets $2.06 million Equity Capital $321,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $37,000 Profit Margin - Quarterly Net Interest Margin 6.02% Return on Assets -0.78% Return on Equity -5.26% Interest Income $107,000 Non-Interest Income $34,000

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 Norfolk Southern Emp Cu., Inc. had $28,000 in non-current loans and owned real-estate with $316,000 in equity and loan loss allowances on hand to cover it. This gives Norfolk Southern Emp Cu., Inc. a Texas Ratio of 8.86% 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 Norfolk Southern Emp Cu., Inc. decreased slightly from 11.18% as of December 31, 2010 to 8.86% as of December 31, 2011, resulting in a positive change of 20.73%.This indicates that the balance sheet and financial strength for Norfolk Southern Emp Cu., Inc. has improved slightly in recent periods. Deposit Growth In the past year, Norfolk Southern Emp Cu., Inc. has increased its total deposits by $2,000, resulting in 0.12% 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 Norfolk Southern Emp Cu., Inc. 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. Norfolk Southern Emp Cu., Inc. has $2.04 million in assets with $316,000 in equity, resulting in a capitalization level of 15.48%, which is excellent.

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