Tenn-Am Water Co. Credit Union

Tenn-Am Water Co. Credit Union is headquartered in Chattanooga and is the 143^rd largest credit union in the state of Tennessee. It is also the 5,719^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to employees and 557 members. Tenn-Am Water Co. Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics TENN-AM WATER CO. NCUA # 617 BankRate Report View Year Chartered 1935 Employees 0 Primary Regulator Assets and Liabilities Assets $4.19 million Loans $2.19 million Deposits $3.42 million Equity Capital $763,000 Loan Loss Allowance $106,000 Unbacked Noncurrent Loans $9,000 Historic Data - December 2010 Assets $4.53 million Equity Capital $750,000 Loan Loss Allowance $96,000 Unbacked Noncurrent Loans $16,000 Profit Margin - Quarterly Net Interest Margin 5.21% Return on Assets 0.31% Return on Equity 1.7% Interest Income $154,000 Non-Interest Income $4,000

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 Tenn-Am Water Co. Credit Union had $9,000 in non-current loans and owned real-estate with $869,000 in equity and loan loss allowances on hand to cover it. This gives Tenn-Am Water Co. Credit Union a Texas Ratio of 1.04% 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 Tenn-Am Water Co. Credit Union decreased significantly from 1.89% as of December 31, 2010 to 1.04% as of December 31, 2011, resulting in a positive change of 45.24%.This indicates that the balance sheet and financial strength for Tenn-Am Water Co. Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Tenn-Am Water Co. Credit Union has decreased its total deposits by $-341,000, resulting in -9.08% 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 Tenn-Am Water Co. 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. Tenn-Am Water Co. Credit Union has $4.19 million in assets with $869,000 in equity, resulting in a capitalization level of 20.73%, which is excellent.

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