Railroad & Industrial Credit Union

Railroad & Industrial Credit Union is headquartered in Tampa and is the 38^th largest credit union in the state of Florida. It is also the 708^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 63 employees and 24,466 members. Railroad & Industrial Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics RAILROAD & INDUSTRIAL NCUA # 24703 BankRate Report View Year Chartered 1935 Employees 63 Primary Regulator Assets and Liabilities Assets $260.75 million Loans $68.57 million Deposits $232.28 million Equity Capital $25.25 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $1.82 million Real Estate Owned $333,000 Historic Data - December 2010 Assets $256.16 million Equity Capital $22.99 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $1.72 million Real Estate Owned $476,000 Profit Margin - Quarterly Net Interest Margin 6% Return on Assets 0.71% Return on Equity 7.28% Interest Income $9.01 million Non-Interest Income $3.37 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 Railroad & Industrial Credit Union had $2.15 million in non-current loans and owned real-estate with $27.41 million in equity and loan loss allowances on hand to cover it. This gives Railroad & Industrial Credit Union a Texas Ratio of 7.84% 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 Railroad & Industrial Credit Union held steady from 8.82% as of December 31, 2010 to 7.84% as of December 31, 2011, resulting in a positive change of 11.19%.This indicates that the balance sheet and financial strength for Railroad & Industrial Credit Union has held steady in recent periods. Deposit Growth In the past year, Railroad & Industrial Credit Union has increased its total deposits by $2.6 million, resulting in 1.13% 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 Railroad & Industrial Credit Union 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. Railroad & Industrial Credit Union has $260.75 million in assets with $27.41 million in equity, resulting in a capitalization level of 10.51%, which is above average.

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