Sunmark Credit Union

Sunmark Credit Union is headquartered in Latham and is the 29^th largest credit union in the state of New York. It is also the 549^th largest credit union in the nation. It was established in 1937 and as of December of 2012, it had grown to 171 employees and 45,460 members. Sunmark Credit Union has a 4-star health rating.

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Data for Q4 2012

Institution Statistics SUNMARK NCUA # 1884 BankRate Report View Year Chartered 1937 Employees 171 Primary Regulator Assets and Liabilities Assets $374.26 million Loans $291.46 million Deposits $337.91 million Equity Capital $31.10 million Loan Loss Allowance $2.26 million Unbacked Noncurrent Loans $3.45 million Real Estate Owned $832,000 Historic Data - December 2011 Assets $363.54 million Equity Capital $28.88 million Loan Loss Allowance $2.90 million Unbacked Noncurrent Loans $3.39 million Real Estate Owned $949,000 Profit Margin - Quarterly Net Interest Margin 4.76% Return on Assets 0.51% Return on Equity 6.18% Interest Income $15.39 million Non-Interest Income $11.84 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, 2012 Sunmark Credit Union had $4.28 million in non-current loans and owned real-estate with $33.36 million in equity and loan loss allowances on hand to cover it. This gives Sunmark Credit Union a Texas Ratio of 12.83% 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 Sunmark Credit Union held steady from 13.65% as of December 31, 2011 to 12.83% as of December 31, 2012, resulting in a positive change of 5.99%.This indicates that the balance sheet and financial strength for Sunmark Credit Union has held steady in recent periods. Deposit Growth In the past year, Sunmark Credit Union has increased its total deposits by $8.52 million, resulting in 2.59% 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 Sunmark 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. Sunmark Credit Union has $374.26 million in assets with $33.36 million in equity, resulting in a capitalization level of 8.91%, which is average.