Three Rivers CU (GA)

Three Rivers CU (GA) is headquartered in Bainbridge and is the 91^st largest credit union in the state of Georgia. It is also the 4,548^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 8 employees and 4,333 members. Three Rivers CU (GA) has a 4-star health rating.

Data for Q4 2011

Institution Statistics THREE RIVERS NCUA # 67913 BankRate Report View Year Chartered 1955 Employees 8 Primary Regulator Assets and Liabilities Assets $10.44 million Loans $5.97 million Deposits $8.48 million Equity Capital $1.67 million Loan Loss Allowance $76,000 Unbacked Noncurrent Loans $437,000 Real Estate Owned $46,000 Historic Data - December 2010 Assets $9.69 million Equity Capital $1.55 million Loan Loss Allowance $97,000 Unbacked Noncurrent Loans $303,000 Real Estate Owned $46,000 Profit Margin - Quarterly Net Interest Margin 6.91% Return on Assets 1.12% Return on Equity 7.01% Interest Income $569,000 Non-Interest Income $403,000

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 Three Rivers CU (GA) had $483,000 in non-current loans and owned real-estate with $1.74 million in equity and loan loss allowances on hand to cover it. This gives Three Rivers CU (GA) a Texas Ratio of 27.69% 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 Three Rivers CU (GA) increased slightly from 21.25% as of December 31, 2010 to 27.69% as of December 31, 2011, resulting in a negative change of 30.30%. This indicates that the balance sheet and financial strength for Three Rivers CU (GA) has declined slightly in recent periods. Deposit Growth In the past year, Three Rivers CU (GA) has increased its total deposits by $442,000, resulting in 5.5% 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 Three Rivers CU (GA) 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. Three Rivers CU (GA) has $10.44 million in assets with $1.74 million in equity, resulting in a capitalization level of 16.71%, which is excellent.

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