T M H Credit Union

T M H Credit Union is headquartered in Tallahassee and is the 88^th largest credit union in the state of Florida. It is also the 2,337^th largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 18 employees and 6,450 members. T M H Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics T M H NCUA # 15175 BankRate Report View Year Chartered 1962 Employees 18 Primary Regulator Assets and Liabilities Assets $46.31 million Loans $24.97 million Deposits $40.37 million Equity Capital $5.36 million Loan Loss Allowance $301,000 Unbacked Noncurrent Loans $237,000 Historic Data - December 2010 Assets $42.54 million Equity Capital $4.86 million Loan Loss Allowance $345,000 Unbacked Noncurrent Loans $563,000 Profit Margin - Quarterly Net Interest Margin 6.74% Return on Assets 0.96% Return on Equity 8.31% Interest Income $2.04 million Non-Interest Income $1.09 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 M H Credit Union had $237,000 in non-current loans and owned real-estate with $5.66 million in equity and loan loss allowances on hand to cover it. This gives T M H Credit Union a Texas Ratio of 4.19% 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 M H Credit Union decreased significantly from 10.81% as of December 31, 2010 to 4.19% as of December 31, 2011, resulting in a positive change of 61.25%.This indicates that the balance sheet and financial strength for T M H Credit Union has improved significantly in recent periods. Deposit Growth In the past year, T M H Credit Union has increased its total deposits by $2.98 million, resulting in 7.98% 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 M H 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. T M H Credit Union has $46.31 million in assets with $5.66 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

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