T L C Community Credit Union

T L C Community Credit Union is headquartered in Adrian and is the 30^th largest credit union in the state of Michigan. It is also the 602^nd largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 76 employees and 39,271 members. T L C Community Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics T L C COMMUNITY NCUA # 60509 BankRate Report View Year Chartered 1956 Employees 76 Primary Regulator Assets and Liabilities Assets $325.87 million Loans $183.59 million Deposits $278.72 million Equity Capital $44.29 million Loan Loss Allowance $3.21 million Unbacked Noncurrent Loans $2.14 million Real Estate Owned $650,000 Historic Data - December 2010 Assets $316.62 million Equity Capital $41.04 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $1.53 million Real Estate Owned $671,000 Profit Margin - Quarterly Net Interest Margin 5.73% Return on Assets 0.92% Return on Equity 6.76% Interest Income $13.44 million Non-Interest Income $4.22 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 T L C Community Credit Union had $2.79 million in non-current loans and owned real-estate with $47.49 million in equity and loan loss allowances on hand to cover it. This gives T L C Community Credit Union a Texas Ratio of 5.88% 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 T L C Community Credit Union held steady from 5.08% as of December 31, 2010 to 5.88% as of December 31, 2011, resulting in a negative change of 15.71%. This indicates that the balance sheet and financial strength for T L C Community Credit Union has held steady in recent periods. Deposit Growth In the past year, T L C Community Credit Union has increased its total deposits by $5.01 million, resulting in 1.83% 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 T L C Community 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. T L C Community Credit Union has $325.87 million in assets with $47.49 million in equity, resulting in a capitalization level of 14.57%, which is excellent.

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