River Valley CU (VT)

River Valley CU (VT) is headquartered in Brattleboro and is the 8^th largest credit union in the state of Vermont. It is also the 1,884^th largest credit union in the nation. It was established in 1946 and as of December of 2011, it had grown to 47 employees and 15,306 members. River Valley CU (VT) has a 4-star health rating.

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Data for Q4 2011

Institution Statistics RIVER VALLEY NCUA # 64365 BankRate Report View Year Chartered 1946 Employees 47 Primary Regulator Assets and Liabilities Assets $66.38 million Loans $51.90 million Deposits $61.53 million Equity Capital $4.71 million Loan Loss Allowance $335,000 Unbacked Noncurrent Loans $455,000 Real Estate Owned $82,000 Historic Data - December 2010 Assets $60.67 million Equity Capital $4.42 million Loan Loss Allowance $322,000 Unbacked Noncurrent Loans $559,000 Real Estate Owned $309,000 Profit Margin - Quarterly Net Interest Margin 5.36% Return on Assets 0.44% Return on Equity 6.26% Interest Income $3.02 million Non-Interest Income $2.09 million

Institution Health Overall Score: 4 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 River Valley CU (VT) had $537,000 in non-current loans and owned real-estate with $5.05 million in equity and loan loss allowances on hand to cover it. This gives River Valley CU (VT) a Texas Ratio of 10.64% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for River Valley CU (VT) decreased significantly from 18.31% as of December 31, 2010 to 10.64% as of December 31, 2011, resulting in a positive change of 41.91%.This indicates that the balance sheet and financial strength for River Valley CU (VT) has improved significantly in recent periods. Deposit Growth In the past year, River Valley CU (VT) has increased its total deposits by $5.44 million, resulting in 9.69% 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 River Valley CU (VT) 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. River Valley CU (VT) has $66.38 million in assets with $5.05 million in equity, resulting in a capitalization level of 7.61%, which is below average.

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