Rheem Arkansas Credit Union

Rheem Arkansas Credit Union is headquartered in FORT SMITH and is the 43^rd largest credit union in the state of Arkansas. It is also the 5,525^th largest credit union in the nation. It was established in 1971 and as of December of 2011, it had grown to 3 employees and 1,126 members. Rheem Arkansas Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

Rheem Arkansas Credit Union Checking Account Rates

Rheem Arkansas Credit Union Savings Account Rates

Rheem Arkansas Credit Union CD Rates

Data for Q4 2011

Institution Statistics RHEEM ARKANSAS NCUA # 24293 BankRate Report View Year Chartered 1971 Employees 3 Primary Regulator Assets and Liabilities Assets $5.00 million Loans $4.01 million Deposits $4.18 million Equity Capital $816,000 Loan Loss Allowance $24,000 Unbacked Noncurrent Loans $18,000 Historic Data - December 2010 Assets $4.34 million Equity Capital $791,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $21,000 Profit Margin - Quarterly Net Interest Margin 6.65% Return on Assets 0.48% Return on Equity 2.94% Interest Income $314,000 Non-Interest Income $70,000

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 Rheem Arkansas Credit Union had $18,000 in non-current loans and owned real-estate with $840,000 in equity and loan loss allowances on hand to cover it. This gives Rheem Arkansas Credit Union a Texas Ratio of 2.14% 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 Rheem Arkansas Credit Union decreased slightly from 2.61% as of December 31, 2010 to 2.14% as of December 31, 2011, resulting in a positive change of 17.86%.This indicates that the balance sheet and financial strength for Rheem Arkansas Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Rheem Arkansas Credit Union has increased its total deposits by $643,000, resulting in 18.16% 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 Rheem Arkansas 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. Rheem Arkansas Credit Union has $5 million in assets with $840,000 in equity, resulting in a capitalization level of 16.79%, which is excellent.

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