Signal Financial Credit Union

Signal Financial Credit Union is headquartered in Kensington and is the 21^st largest credit union in the state of Maryland. It is also the 639^th largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 102 employees and 28,149 members. Signal Financial Credit Union's savings rates are 15% higher than the national average, and it has a 4-star health rating.

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Signal Financial Credit Union Savings Account Rates

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Data for Q4 2011

Institution Statistics SIGNAL FINANCIAL NCUA # 5571 BankRate Report View Year Chartered 1947 Employees 102 Primary Regulator Assets and Liabilities Assets $297.11 million Loans $206.17 million Deposits $260.18 million Equity Capital $32.82 million Loan Loss Allowance $4.12 million Unbacked Noncurrent Loans $5.95 million Historic Data - December 2010 Assets $286.03 million Equity Capital $34.31 million Loan Loss Allowance $3.27 million Unbacked Noncurrent Loans $4.17 million Real Estate Owned $236,000 Profit Margin - Quarterly Net Interest Margin 4.98% Return on Assets -0.5% Return on Equity -4.55% Interest Income $12.36 million Non-Interest Income $4.82 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 Signal Financial Credit Union had $5.95 million in non-current loans and owned real-estate with $36.94 million in equity and loan loss allowances on hand to cover it. This gives Signal Financial Credit Union a Texas Ratio of 16.11% 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 Signal Financial Credit Union held steady from 11.72% as of December 31, 2010 to 16.11% as of December 31, 2011, resulting in a negative change of 37.37%. This indicates that the balance sheet and financial strength for Signal Financial Credit Union has held steady in recent periods. Deposit Growth In the past year, Signal Financial Credit Union has increased its total deposits by $11.42 million, resulting in 4.59% 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 Signal Financial Credit Union 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. Signal Financial Credit Union has $297.11 million in assets with $36.94 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

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