Teachers Credit Union

Teachers Credit Union is headquartered in South Bend and is the largest credit union in the state of Indiana. It is also the 53^rd largest credit union in the nation. It was established in 1931 and as of December of 2011, it had grown to 653 employees and 273,615 members. Teachers Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics TEACHERS NCUA # 60060 BankRate Report View Year Chartered 1931 Employees 653 Primary Regulator Assets and Liabilities Assets $2.16 billion Loans $1.67 billion Deposits $1.83 billion Equity Capital $176.26 million Loan Loss Allowance $16.94 million Unbacked Noncurrent Loans $6.72 million Real Estate Owned $11.94 million Historic Data - December 2010 Assets $2.00 billion Equity Capital $160.38 million Loan Loss Allowance $18.46 million Unbacked Noncurrent Loans $8.66 million Real Estate Owned $7.45 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 0.52% Return on Equity 6.32% Interest Income $90.99 million Non-Interest Income $34.00 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, 2011 Teachers Credit Union had $18.66 million in non-current loans and owned real-estate with $193.2 million in equity and loan loss allowances on hand to cover it. This gives Teachers Credit Union a Texas Ratio of 9.66% 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 Teachers Credit Union held steady from 9.01% as of December 31, 2010 to 9.66% as of December 31, 2011, resulting in a negative change of 7.23%. This indicates that the balance sheet and financial strength for Teachers Credit Union has held steady in recent periods. Deposit Growth In the past year, Teachers Credit Union has increased its total deposits by $156.48 million, resulting in 9.38% 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 Teachers 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. Teachers Credit Union has $2.16 billion in assets with $193.2 million in equity, resulting in a capitalization level of 8.94%, which is average.

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