The Family Credit Union

The Family Credit Union is headquartered in Davenport and is the 14^st largest credit union in the state of Iowa. It is also the 1,305^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 46 employees and 17,079 members. The Family Credit Union has a 4-star health rating.

The Family Credit Union Savings Account Rates

The Family Credit Union CD Rates

The Family Credit Union IRA Rates

Data for Q4 2011

Institution Statistics THE FAMILY NCUA # 60728 BankRate Report View Year Chartered 1935 Employees 46 Primary Regulator Assets and Liabilities Assets $113.95 million Loans $69.14 million Deposits $100.00 million Equity Capital $12.57 million Loan Loss Allowance $613,000 Unbacked Noncurrent Loans $1.22 million Real Estate Owned $405,000 Historic Data - December 2010 Assets $104.76 million Equity Capital $11.44 million Loan Loss Allowance $667,000 Unbacked Noncurrent Loans $1.10 million Real Estate Owned $41,000 Profit Margin - Quarterly Net Interest Margin 5.93% Return on Assets 0.99% Return on Equity 8.99% Interest Income $5.40 million Non-Interest Income $1.61 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 The Family Credit Union had $1.62 million in non-current loans and owned real-estate with $13.18 million in equity and loan loss allowances on hand to cover it. This gives The Family Credit Union a Texas Ratio of 12.30% 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 The Family Credit Union held steady from 9.41% as of December 31, 2010 to 12.30% as of December 31, 2011, resulting in a negative change of 30.77%. This indicates that the balance sheet and financial strength for The Family Credit Union has held steady in recent periods. Deposit Growth In the past year, The Family Credit Union has increased its total deposits by $7.53 million, resulting in 8.14% 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 The Family 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. The Family Credit Union has $113.95 million in assets with $13.18 million in equity, resulting in a capitalization level of 11.57%, which is above average.

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