Rabun-Tallulah Credit Union

Rabun-Tallulah Credit Union is headquartered in TIGER and is the 139^th largest credit union in the state of Georgia. It is also the 6,933^rd largest credit union in the nation. It was established in 1977 and as of December of 2011, it had grown to employees and 176 members. Rabun-Tallulah Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics RABUN-TALLULAH NCUA # 22672 BankRate Report View Year Chartered 1977 Employees 0 Primary Regulator Assets and Liabilities Assets $525,000 Loans $298,000 Deposits $380,000 Equity Capital $145,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $2,000 Historic Data - December 2010 Assets $479,000 Equity Capital $144,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $2,000 Profit Margin - Quarterly Net Interest Margin 6.07% Return on Assets 0.19% Return on Equity 0.69% Interest Income $21,000

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 Rabun-Tallulah Credit Union had $2,000 in non-current loans and owned real-estate with $148,000 in equity and loan loss allowances on hand to cover it. This gives Rabun-Tallulah Credit Union a Texas Ratio of 1.35% 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 Rabun-Tallulah Credit Union held steady from 1.38% as of December 31, 2010 to 1.35% as of December 31, 2011, resulting in a positive change of 2.03%.This indicates that the balance sheet and financial strength for Rabun-Tallulah Credit Union has held steady in recent periods. Deposit Growth In the past year, Rabun-Tallulah Credit Union has increased its total deposits by $45,000, resulting in 13.43% 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 Rabun-Tallulah 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. Rabun-Tallulah Credit Union has $525,000 in assets with $148,000 in equity, resulting in a capitalization level of 28.19%, which is excellent.

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