Reid Temple Credit Union

Reid Temple Credit Union is headquartered in Glenn Dale and is the 101^st largest credit union in the state of Maryland. It is also the 6,440^th largest credit union in the nation. It was established in 2006 and as of December of 2011, it had grown to 1 employees and 1,000 members. Reid Temple Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics REID TEMPLE NCUA # 24778 BankRate Report View Year Chartered 2006 Employees 1 Primary Regulator Assets and Liabilities Assets $1.69 million Loans $10,000 Deposits $1.57 million Equity Capital $118,000 Historic Data - December 2010 Assets $1.35 million Equity Capital $105,000 Profit Margin - Quarterly Net Interest Margin 9.68% Return on Assets -1.01% Return on Equity -14.41% Interest Income $1,000 Non-Interest Income $93,000

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 Reid Temple Credit Union had $0 in non-current loans and owned real-estate with $118,000 in equity and loan loss allowances on hand to cover it. This gives Reid Temple Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Reid Temple Credit Union has increased its total deposits by $329,000, resulting in 26.51% 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 Reid Temple 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. Reid Temple Credit Union has $1.69 million in assets with $118,000 in equity, resulting in a capitalization level of 6.99%, which is below average.

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