Trenton Credit Union

Trenton Credit Union is headquartered in TRENTON and is the 155^th largest credit union in the state of Michigan. It is also the 2,330^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 20 employees and 6,532 members. Trenton Credit Union has a 3-star health rating.

Trenton Credit Union Savings Account Rates

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Trenton Credit Union CD Rates

Data for Q4 2011

Institution Statistics SHORE TO SHORE COMMUNITY NCUA # 8349 BankRate Report View Year Chartered 1953 Employees 20 Primary Regulator Assets and Liabilities Assets $46.56 million Loans $23.51 million Deposits $42.20 million Equity Capital $3.73 million Loan Loss Allowance $414,000 Unbacked Noncurrent Loans $578,000 Historic Data - December 2010 Assets $50.27 million Equity Capital $3.51 million Loan Loss Allowance $577,000 Unbacked Noncurrent Loans $731,000 Profit Margin - Quarterly Net Interest Margin 6.87% Return on Assets 0.36% Return on Equity 4.5% Interest Income $2.21 million Non-Interest Income $824,000

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 Trenton Credit Union had $578,000 in non-current loans and owned real-estate with $4.14 million in equity and loan loss allowances on hand to cover it. This gives Trenton Credit Union a Texas Ratio of 13.94% 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 Trenton Credit Union decreased slightly from 17.89% as of December 31, 2010 to 13.94% as of December 31, 2011, resulting in a positive change of 22.07%.This indicates that the balance sheet and financial strength for Trenton Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Trenton Credit Union has decreased its total deposits by -$3.82 million, resulting in -8.31% 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 Trenton Credit Union has shown is poor. 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. Trenton Credit Union has $46.56 million in assets with $4.14 million in equity, resulting in a capitalization level of 8.90%, which is average.

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