Publix Employees Credit Union

Publix Employees Credit Union is headquartered in LAKELAND and is the 17^st largest credit union in the state of Florida. It is also the 314^st largest credit union in the nation. It was established in 1978 and as of December of 2011, it had grown to 226 employees and 116,952 members. Publix Employees Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics PUBLIX EMPLOYEES NCUA # 23020 BankRate Report View Year Chartered 1978 Employees 226 Primary Regulator Assets and Liabilities Assets $631.42 million Loans $297.02 million Deposits $537.44 million Equity Capital $85.00 million Loan Loss Allowance $4.74 million Unbacked Noncurrent Loans $2.39 million Historic Data - December 2010 Assets $594.54 million Equity Capital $80.17 million Loan Loss Allowance $4.41 million Unbacked Noncurrent Loans $2.43 million Real Estate Owned $140,000 Profit Margin - Quarterly Net Interest Margin 6% Return on Assets 0.65% Return on Equity 4.86% Interest Income $24.28 million Non-Interest Income $14.21 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, 2011 Publix Employees Credit Union had $2.39 million in non-current loans and owned real-estate with $89.74 million in equity and loan loss allowances on hand to cover it. This gives Publix Employees Credit Union a Texas Ratio of 2.67% 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 Publix Employees Credit Union held steady from 3.04% as of December 31, 2010 to 2.67% as of December 31, 2011, resulting in a positive change of 12.40%.This indicates that the balance sheet and financial strength for Publix Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Publix Employees Credit Union has increased its total deposits by $31.78 million, resulting in 6.28% 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 Publix Employees Credit Union has shown is excellent. 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. Publix Employees Credit Union has $631.42 million in assets with $89.74 million in equity, resulting in a capitalization level of 14.21%, which is excellent.

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