Telhio Credit Union

96 North Fourth Street
Columbus, OH 43215
614-221-3233
www.telhio.org

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Telhio Credit Union is headquartered in Columbus and is the 7^th largest credit union in the state of Ohio. It is also the 430^th largest credit union in the nation. It was established in 1935 and as of September of 2011, it had grown to 131 employees and 46,682 members. Telhio Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Telhio Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	55+ Checking

Telhio Credit Union Savings Account Rates

Apy	Min	Max	Product
1.16%	$7,500	-	Health Savings Account
1.00%	$5k	-	High-Yield Savings Account - Qualifying
0.10%	-	-	Business Share Savings
0.10%	-	-	Share Savings
0.10%	-	-	Holiday Club
0.10%	-	-	It's For Me

Telhio Credit Union Money Market Rates

Apy	Min	Max	Product
0.45%	$25k	-	Money Market Plus
0.40%	$25k	-	Business Money Market Plus
0.25%	$1k	-	Money Market
0.20%	$1k	-	Business Money Market

Telhio Credit Union CD Rates

Apy	Min	Max	Product
1.91%	$50k	-	60 Month CD
1.71%	$50k	-	48 Month CD
1.36%	$500	-	Business 60 Month CD
1.21%	$50k	-	36 Month CD
1.15%	$500	-	Business 48 Month CD
0.90%	$500	-	Business 36 Month CD
0.90%	$50k	-	24 Month CD
0.75%	$500	-	Business 24 Month CD
0.60%	$50k	-	18 Month CD
0.55%	$50k	-	12 Month CD
0.40%	$500	-	Business 18 Month CD
0.35%	$50k	-	9 Month CD
0.30%	$500	-	Business 12 Month CD
0.30%	$50k	-	6 Month CD
0.20%	$500	-	Business 6 Month CD
0.15%	$50k	-	91 Day CD
0.10%	$500	-	Business 91 Day CD

Telhio Credit Union IRA Rates

Apy	Min	Max	Product
1.91%	$50k	-	60 Month IRA
1.91%	$50k	-	60 Month Roth IRA
1.91%	$50k	-	60 Month CESA
1.91%	$50k	-	60 Month SEP IRA
1.71%	$50k	-	48 Month IRA
1.71%	$50k	-	48 Month Roth IRA
1.71%	$50k	-	48 Month CESA
1.71%	$50k	-	48 Month SEP IRA
1.21%	$50k	-	36 Month IRA
1.21%	$50k	-	36 Month Roth IRA
1.21%	$50k	-	36 Month CESA
1.21%	$50k	-	36 Month SEP IRA
0.90%	$50k	-	24 Month IRA
0.90%	$50k	-	24 Month Roth IRA
0.90%	$50k	-	24 Month CESA
0.90%	$50k	-	24 Month SEP IRA
0.60%	$50k	-	18 Month IRA
0.60%	$50k	-	18 Month Roth IRA
0.60%	$50k	-	18 Month CESA
0.60%	$50k	-	18 Month SEP IRA
0.55%	$50k	-	12 Month IRA
0.55%	$50k	-	12 Month Roth IRA
0.55%	$50k	-	12 Month CESA
0.55%	$50k	-	12 Month SEP IRA
0.35%	$50k	-	9 Month IRA
0.35%	$50k	-	9 Month Roth IRA
0.35%	$50k	-	9 Month CESA
0.35%	$50k	-	9 Month SEP IRA
0.30%	$50k	-	6 Month IRA
0.30%	$50k	-	6 Month Roth IRA
0.30%	$50k	-	6 Month CESA
0.30%	$50k	-	6 Month SEP IRA
0.15%	$50k	-	91 Day IRA
0.15%	$50k	-	91 Day Roth IRA
0.15%	$50k	-	91 Day CESA
0.15%	$50k	-	91 Day SEP IRA

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

TELHIO
NCUA #	62848
BankRate Report	View
Year Established	1935
Employees	131
Primary Regulator
Assets and Liabilities
Assets	$448.96 million
Loans	$244.35 million
Deposits	$396.87 million
Equity Capital	$48.94 million
Loan Loss Allowance	$1.99 million
Unbacked Noncurrent Loans	$3.02 million
Real Estate Owned	$492,000
Historic Data - September 2010
Assets	$428.32 million
Equity Capital	$48.34 million
Loan Loss Allowance	$2.30 million
Unbacked Noncurrent Loans	$3.02 million
Real Estate Owned	$418,000
Profit Margin - Quarterly
Net Interest Margin	3.54%
Return on Assets	-0.18%
Return on Equity	-1.64%
Interest Income	$12.66 million
Non-Interest Income	$5.01 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 September 30, 2011 Telhio Credit Union had $3.51 million in non-current loans and owned real-estate with $50.93 million in equity and loan loss allowances on hand to cover it. This gives Telhio Credit Union a Texas Ratio of 6.89% 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 Telhio Credit Union held steady from 6.79% as of September 30, 2010 to 6.89% as of September 30, 2011, resulting in a negative change of 1.51%. This indicates that the balance sheet and financial strength for Telhio Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Telhio Credit Union has increased its total deposits by $18.86 million, resulting in 4.99% 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 Telhio 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. Telhio Credit Union has $448.96 million in assets with $50.93 million in equity, resulting in a capitalization level of 11.34%, which is above average.

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