Tennessee Members 1St Credit Union

Tennessee Members 1St Credit Union is headquartered in OAK RIDGE and is the 32^nd largest credit union in the state of Tennessee. It is also the 1,469^th largest credit union in the nation. It was established in 1946 and as of December of 2011, it had grown to 28 employees and 6,493 members. Tennessee Members 1St 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 TENNESSEE MEMBERS 1ST NCUA # 5318 BankRate Report View Year Chartered 1946 Employees 28 Primary Regulator Assets and Liabilities Assets $95.43 million Loans $52.68 million Deposits $84.06 million Equity Capital $9.81 million Loan Loss Allowance $559,000 Unbacked Noncurrent Loans $1.54 million Real Estate Owned $399,000 Historic Data - December 2010 Assets $93.20 million Equity Capital $10.24 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $1.95 million Real Estate Owned $235,000 Profit Margin - Quarterly Net Interest Margin 4.97% Return on Assets -0.47% Return on Equity -4.6% Interest Income $3.29 million Non-Interest Income $578,000

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 Tennessee Members 1St Credit Union had $1.93 million in non-current loans and owned real-estate with $10.37 million in equity and loan loss allowances on hand to cover it. This gives Tennessee Members 1St Credit Union a Texas Ratio of 18.65% 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 Tennessee Members 1St Credit Union held steady from 20.60% as of December 31, 2010 to 18.65% as of December 31, 2011, resulting in a positive change of 9.43%.This indicates that the balance sheet and financial strength for Tennessee Members 1St Credit Union has held steady in recent periods. Deposit Growth In the past year, Tennessee Members 1St Credit Union has increased its total deposits by $2.65 million, resulting in 3.26% 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 Tennessee Members 1St 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. Tennessee Members 1St Credit Union has $95.43 million in assets with $10.37 million in equity, resulting in a capitalization level of 10.86%, which is above average.

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