R T P Credit Union

R T P Credit Union is headquartered in RTP and is the 20^th largest credit union in the state of North Carolina. It is also the 1,393^rd largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 38 employees and 12,665 members. R T P Credit Union's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics R T P NCUA # 18550 BankRate Report View Year Chartered 1968 Employees 38 Primary Regulator Assets and Liabilities Assets $103.82 million Loans $45.22 million Deposits $93.82 million Equity Capital $8.67 million Loan Loss Allowance $318,000 Unbacked Noncurrent Loans $344,000 Historic Data - December 2010 Assets $96.12 million Equity Capital $8.37 million Loan Loss Allowance $338,000 Unbacked Noncurrent Loans $431,000 Real Estate Owned $190,000 Profit Margin - Quarterly Net Interest Margin 5.61% Return on Assets 0.16% Return on Equity 1.9% Interest Income $3.45 million Non-Interest Income $1.97 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 R T P Credit Union had $344,000 in non-current loans and owned real-estate with $8.98 million in equity and loan loss allowances on hand to cover it. This gives R T P Credit Union a Texas Ratio of 3.83% 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 R T P Credit Union decreased significantly from 7.13% as of December 31, 2010 to 3.83% as of December 31, 2011, resulting in a positive change of 46.29%.This indicates that the balance sheet and financial strength for R T P Credit Union has improved significantly in recent periods. Deposit Growth In the past year, R T P Credit Union has increased its total deposits by $6.85 million, resulting in 7.88% 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 P 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. R T P Credit Union has $103.82 million in assets with $8.98 million in equity, resulting in a capitalization level of 8.65%, which is average.

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