Tarcana Credit Union

Tarcana Credit Union is headquartered in Louisville and is the 73^rd largest credit union in the state of Kentucky. It is also the 6,089^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 2 employees and 865 members. Tarcana Credit Union has a 3-star health rating.

Tarcana Credit Union Routing Number: 283079395

Data for Q4 2011

Institution Statistics TARCANA NCUA # 61316 BankRate Report View Year Chartered 1936 Employees 2 Primary Regulator Assets and Liabilities Assets $2.80 million Loans $1.26 million Deposits $2.03 million Equity Capital $748,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $71,000 Historic Data - December 2010 Assets $3.08 million Equity Capital $741,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $29,000 Profit Margin - Quarterly Net Interest Margin 10.22% Return on Assets 0.25% Return on Equity 0.94% Interest Income $157,000 Non-Interest Income $95,000

Institution Health Overall Score: 3 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 Tarcana Credit Union had $71,000 in non-current loans and owned real-estate with $758,000 in equity and loan loss allowances on hand to cover it. This gives Tarcana Credit Union a Texas Ratio of 9.37% 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 Tarcana Credit Union increased slightly from 3.86% as of December 31, 2010 to 9.37% as of December 31, 2011, resulting in a negative change of 142.57%. This indicates that the balance sheet and financial strength for Tarcana Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Tarcana Credit Union has decreased its total deposits by $-291,000, resulting in -12.54% 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 Tarcana Credit Union has shown is poor. 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. Tarcana Credit Union has $2.8 million in assets with $758,000 in equity, resulting in a capitalization level of 27.09%, which is excellent.

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