Taupa Lithuanian Credit Union

Taupa Lithuanian Credit Union is headquartered in South Boston and is the 106^th largest credit union in the state of Massachusetts. It is also the 3,566^th largest credit union in the nation. It was established in 1981 and as of December of 2011, it had grown to 3 employees and 1,117 members. Taupa Lithuanian Credit Union's CD rates are 11% higher than the national average, and it has a 3-star health rating.

Taupa Lithuanian Credit Union Checking Account Rates

Taupa Lithuanian Credit Union Savings Account Rates

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Taupa Lithuanian Credit Union CD Rates

Taupa Lithuanian Credit Union IRA Rates

Data for Q4 2011

Institution Statistics TAUPA LITHUANIAN NCUA # 23803 BankRate Report View Year Chartered 1981 Employees 3 Primary Regulator Assets and Liabilities Assets $19.89 million Loans $16.49 million Deposits $14.92 million Equity Capital $1.66 million Loan Loss Allowance $102,000 Unbacked Noncurrent Loans $526,000 Historic Data - December 2010 Assets $18.91 million Equity Capital $1.58 million Loan Loss Allowance $65,000 Unbacked Noncurrent Loans $191,000 Profit Margin - Quarterly Net Interest Margin 3.14% Return on Assets 0.41% Return on Equity 4.93% Interest Income $724,000 Non-Interest Income $57,000

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 Taupa Lithuanian Credit Union had $526,000 in non-current loans and owned real-estate with $1.77 million in equity and loan loss allowances on hand to cover it. This gives Taupa Lithuanian Credit Union a Texas Ratio of 29.78% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Taupa Lithuanian Credit Union increased slightly from 11.60% as of December 31, 2010 to 29.78% as of December 31, 2011, resulting in a negative change of 156.68%. This indicates that the balance sheet and financial strength for Taupa Lithuanian Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Taupa Lithuanian Credit Union has increased its total deposits by $706,000, resulting in 4.97% 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 Taupa Lithuanian 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. Taupa Lithuanian Credit Union has $19.89 million in assets with $1.77 million in equity, resulting in a capitalization level of 8.88%, which is average.

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