Stephens-Franklin Teachers Credit Union

Stephens-Franklin Teachers Credit Union is headquartered in TOCCOA and is the 71^st largest credit union in the state of Georgia. It is also the 3,623^rd largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 8 employees and 1,695 members. Stephens-Franklin Teachers Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics STEPHENS-FRANKLIN TEACHERS NCUA # 13797 BankRate Report View Year Chartered 1960 Employees 8 Primary Regulator Assets and Liabilities Assets $19.15 million Loans $13.52 million Deposits $15.54 million Equity Capital $3.59 million Loan Loss Allowance $156,000 Unbacked Noncurrent Loans $236,000 Historic Data - December 2010 Assets $17.96 million Equity Capital $3.46 million Loan Loss Allowance $56,000 Unbacked Noncurrent Loans $499,000 Profit Margin - Quarterly Net Interest Margin 5.95% Return on Assets 0.65% Return on Equity 3.48% Interest Income $1.03 million Non-Interest Income $49,000

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 Stephens-Franklin Teachers Credit Union had $236,000 in non-current loans and owned real-estate with $3.74 million in equity and loan loss allowances on hand to cover it. This gives Stephens-Franklin Teachers Credit Union a Texas Ratio of 6.31% 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 Stephens-Franklin Teachers Credit Union decreased significantly from 14.18% as of December 31, 2010 to 6.31% as of December 31, 2011, resulting in a positive change of 55.55%.This indicates that the balance sheet and financial strength for Stephens-Franklin Teachers Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Stephens-Franklin Teachers Credit Union has increased its total deposits by $1.07 million, resulting in 7.4% 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 Stephens-Franklin Teachers 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. Stephens-Franklin Teachers Credit Union has $19.15 million in assets with $3.74 million in equity, resulting in a capitalization level of 19.54%, which is excellent.

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