R T A Brooklyn Credit Union

R T A Brooklyn Credit Union is headquartered in Cleveland and is the 251^st largest credit union in the state of Ohio. It is also the 5,099^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 1 employees and 2,184 members. R T A Brooklyn Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics R T A BROOKLYN NCUA # 3240 BankRate Report View Year Chartered 1939 Employees 1 Primary Regulator Assets and Liabilities Assets $7.14 million Loans $3.26 million Deposits $6.60 million Equity Capital $534,000 Loan Loss Allowance $54,000 Unbacked Noncurrent Loans $105,000 Historic Data - December 2010 Assets $7.22 million Equity Capital $658,000 Loan Loss Allowance $26,000 Unbacked Noncurrent Loans $151,000 Profit Margin - Quarterly Net Interest Margin 6.42% Return on Assets -1.65% Return on Equity -22.1% Interest Income $266,000 Non-Interest Income $44,000

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 R T A Brooklyn Credit Union had $105,000 in non-current loans and owned real-estate with $588,000 in equity and loan loss allowances on hand to cover it. This gives R T A Brooklyn Credit Union a Texas Ratio of 17.86% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for R T A Brooklyn Credit Union decreased slightly from 22.08% as of December 31, 2010 to 17.86% as of December 31, 2011, resulting in a positive change of 19.11%.This indicates that the balance sheet and financial strength for R T A Brooklyn Credit Union has improved slightly in recent periods. Deposit Growth In the past year, R T A Brooklyn Credit Union has increased its total deposits by $34,000, resulting in 0.52% 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 R T A Brooklyn Credit Union 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. R T A Brooklyn Credit Union has $7.14 million in assets with $588,000 in equity, resulting in a capitalization level of 8.24%, which is average.

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