Transit Authority Division B Credit Union

Transit Authority Division B Credit Union is headquartered in New York and is the 302^nd largest credit union in the state of New York. It is also the 5,547^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 1 employees and 1,800 members. Transit Authority Division B Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics TRANSIT AUTHORITY DIVISION B NCUA # 798 BankRate Report View Year Chartered 1935 Employees 1 Primary Regulator Assets and Liabilities Assets $4.90 million Loans $2.13 million Deposits $4.57 million Equity Capital $320,000 Loan Loss Allowance $19,000 Unbacked Noncurrent Loans $84,000 Historic Data - December 2010 Assets $4.84 million Equity Capital $399,000 Loan Loss Allowance $21,000 Unbacked Noncurrent Loans $157,000 Profit Margin - Quarterly Net Interest Margin 8.65% Return on Assets -0.37% Return on Equity -5.63% Interest Income $214,000 Non-Interest Income $16,000

Institution Health Overall Score: 3 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 Transit Authority Division B Credit Union had $84,000 in non-current loans and owned real-estate with $339,000 in equity and loan loss allowances on hand to cover it. This gives Transit Authority Division B Credit Union a Texas Ratio of 24.78% 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 Transit Authority Division B Credit Union decreased slightly from 37.38% as of December 31, 2010 to 24.78% as of December 31, 2011, resulting in a positive change of 33.71%.This indicates that the balance sheet and financial strength for Transit Authority Division B Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Transit Authority Division B Credit Union has increased its total deposits by $132,000, resulting in 2.97% 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 Transit Authority Division B 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. Transit Authority Division B Credit Union has $4.89 million in assets with $339,000 in equity, resulting in a capitalization level of 6.93%, which is below average.

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