T&I Credit Union

T&I Credit Union is headquartered in Clawson and is the 125^th largest credit union in the state of Michigan. It is also the 1,817^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 7 employees and 6,168 members. T&I Credit Union has a 5-star health rating.

T&I Credit Union Checking Account Rates

T&I Credit Union IRA Rates

Data for Q4 2011

Institution Statistics T&I NCUA # 61879 BankRate Report View Year Chartered 1955 Employees 7 Primary Regulator Assets and Liabilities Assets $69.76 million Loans $23.70 million Deposits $56.60 million Equity Capital $12.87 million Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $178,000 Historic Data - December 2010 Assets $67.71 million Equity Capital $13.00 million Loan Loss Allowance $40,000 Unbacked Noncurrent Loans $204,000 Profit Margin - Quarterly Net Interest Margin 4.56% Return on Assets 0.01% Return on Equity 0.04% Interest Income $1.28 million Non-Interest Income $115,000

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 T&I Credit Union had $178,000 in non-current loans and owned real-estate with $12.89 million in equity and loan loss allowances on hand to cover it. This gives T&I Credit Union a Texas Ratio of 1.38% 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 T&I Credit Union held steady from 1.56% as of December 31, 2010 to 1.38% as of December 31, 2011, resulting in a positive change of 11.76%.This indicates that the balance sheet and financial strength for T&I Credit Union has held steady in recent periods. Deposit Growth In the past year, T&I Credit Union has increased its total deposits by $2.27 million, resulting in 4.18% 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 T&I 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. T&I Credit Union has $69.76 million in assets with $12.89 million in equity, resulting in a capitalization level of 18.48%, which is excellent.

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