Transit Employees Credit Union

Transit Employees Credit Union is headquartered in WASHINGTON and is the 14^st largest credit union in the state of District of Columbia. It is also the 1,603^rd largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 36 employees and 15,682 members. Transit Employees Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics TRANSIT EMPLOYEES NCUA # 3764 BankRate Report View Year Chartered 1940 Employees 36 Primary Regulator Assets and Liabilities Assets $83.50 million Loans $35.16 million Deposits $65.99 million Equity Capital $16.93 million Loan Loss Allowance $425,000 Unbacked Noncurrent Loans $1.40 million Historic Data - December 2010 Assets $72.41 million Equity Capital $15.25 million Loan Loss Allowance $276,000 Unbacked Noncurrent Loans $1.57 million Profit Margin - Quarterly Net Interest Margin 8.01% Return on Assets 0.3% Return on Equity 1.49% Interest Income $4.48 million Non-Interest Income $2.60 million

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 Transit Employees Credit Union had $1.4 million in non-current loans and owned real-estate with $17.35 million in equity and loan loss allowances on hand to cover it. This gives Transit Employees Credit Union a Texas Ratio of 8.09% 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 Transit Employees Credit Union decreased slightly from 10.11% as of December 31, 2010 to 8.09% as of December 31, 2011, resulting in a positive change of 20.00%.This indicates that the balance sheet and financial strength for Transit Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Transit Employees Credit Union has increased its total deposits by $9.02 million, resulting in 15.84% 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 Employees 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. Transit Employees Credit Union has $83.5 million in assets with $17.35 million in equity, resulting in a capitalization level of 20.78%, which is excellent.

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