Rutland Cty Teach & Municipal Emp Credit Union

Rutland Cty Teach & Municipal Emp Credit Union is headquartered in Rutland and is the 26^th largest credit union in the state of Vermont. It is also the 6,185^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 1 employees and 785 members. Rutland Cty Teach & Municipal Emp Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics RUTLAND CTY TEACH & MUNICIPAL EMP NCUA # 65165 BankRate Report View Year Chartered 1953 Employees 1 Primary Regulator Assets and Liabilities Assets $2.47 million Loans $1.11 million Deposits $2.19 million Equity Capital $273,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $65,000 Historic Data - December 2010 Assets $2.33 million Equity Capital $312,000 Loan Loss Allowance $36,000 Unbacked Noncurrent Loans $60,000 Profit Margin - Quarterly Net Interest Margin 5.56% Return on Assets -1.54% Return on Equity -13.92% Interest Income $76,000

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 Rutland Cty Teach & Municipal Emp Credit Union had $65,000 in non-current loans and owned real-estate with $295,000 in equity and loan loss allowances on hand to cover it. This gives Rutland Cty Teach & Municipal Emp Credit Union a Texas Ratio of 22.03% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Rutland Cty Teach & Municipal Emp Credit Union held steady from 17.24% as of December 31, 2010 to 22.03% as of December 31, 2011, resulting in a negative change of 27.80%. This indicates that the balance sheet and financial strength for Rutland Cty Teach & Municipal Emp Credit Union has held steady in recent periods. Deposit Growth In the past year, Rutland Cty Teach & Municipal Emp Credit Union has increased its total deposits by $181,000, resulting in 8.99% 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 Rutland Cty Teach & Municipal Emp 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. Rutland Cty Teach & Municipal Emp Credit Union has $2.47 million in assets with $295,000 in equity, resulting in a capitalization level of 11.95%, which is above average.

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