Old Dominion University Cu Inc.,

Old Dominion University Cu Inc., is headquartered in Norfolk and is the 83^rd largest credit union in the state of Virginia. It is also the 3,285^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 7 employees and 3,352 members. Old Dominion University Cu Inc., has a 3-star health rating.

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Data for Q4 2011

Institution Statistics OLD DOMINION UNIVERSITY CU INC., NCUA # 60568 BankRate Report View Year Chartered 1958 Employees 7 Primary Regulator Assets and Liabilities Assets $23.83 million Loans $13.62 million Deposits $21.47 million Equity Capital $2.27 million Loan Loss Allowance $151,000 Unbacked Noncurrent Loans $851,000 Real Estate Owned $155,000 Historic Data - December 2010 Assets $23.22 million Equity Capital $2.13 million Loan Loss Allowance $173,000 Unbacked Noncurrent Loans $435,000 Profit Margin - Quarterly Net Interest Margin 6.52% Return on Assets 0.6% Return on Equity 6.3% Interest Income $1.05 million Non-Interest Income $274,000

Institution Health Overall Score: 3 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 Old Dominion University Cu Inc., had $1.01 million in non-current loans and owned real-estate with $2.42 million in equity and loan loss allowances on hand to cover it. This gives Old Dominion University Cu Inc., a Texas Ratio of 41.57% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Old Dominion University Cu Inc., increased slightly from 18.91% as of December 31, 2010 to 41.57% as of December 31, 2011, resulting in a negative change of 119.80%. This indicates that the balance sheet and financial strength for Old Dominion University Cu Inc., has declined slightly in recent periods. Deposit Growth In the past year, Old Dominion University Cu Inc., has increased its total deposits by $451,000, resulting in 2.15% 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 Old Dominion University Cu Inc., 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. Old Dominion University Cu Inc., has $23.83 million in assets with $2.42 million in equity, resulting in a capitalization level of 10.16%, which is above average.

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