Securityplus

Securityplus is headquartered in Baltimore and is the 15^st largest credit union in the state of Maryland. It is also the 548^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 97 employees and 32,192 members. Securityplus has a 5-star health rating.

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Data for Q4 2011

Institution Statistics SECURITYPLUS NCUA # 2769 BankRate Report View Year Chartered 1938 Employees 97 Primary Regulator Assets and Liabilities Assets $352.25 million Loans $137.87 million Deposits $317.54 million Equity Capital $30.85 million Loan Loss Allowance $1.88 million Unbacked Noncurrent Loans $1.90 million Historic Data - December 2010 Assets $340.01 million Equity Capital $31.73 million Loan Loss Allowance $1.56 million Unbacked Noncurrent Loans $1.61 million Real Estate Owned $30,000 Profit Margin - Quarterly Net Interest Margin 5.31% Return on Assets 0.13% Return on Equity 1.5% Interest Income $12.86 million Non-Interest Income $3.98 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 Securityplus had $1.9 million in non-current loans and owned real-estate with $32.74 million in equity and loan loss allowances on hand to cover it. This gives Securityplus a Texas Ratio of 5.81% 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 Securityplus held steady from 4.93% as of December 31, 2010 to 5.81% as of December 31, 2011, resulting in a negative change of 17.96%. This indicates that the balance sheet and financial strength for Securityplus has held steady in recent periods. Deposit Growth In the past year, Securityplus has increased its total deposits by $11.65 million, resulting in 3.81% 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 Securityplus 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. Securityplus has $352.25 million in assets with $32.74 million in equity, resulting in a capitalization level of 9.29%, which is average.

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