Tri-Co Credit Union

Tri-Co Credit Union is headquartered in Randolph and is the 18^st largest credit union in the state of New Jersey. It is also the 1,036^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 33 employees and 11,119 members. Tri-Co Credit Union has a 2-star health rating.

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Data for Q4 2011

Institution Statistics TRI-CO NCUA # 1151 BankRate Report View Year Chartered 1936 Employees 33 Primary Regulator Assets and Liabilities Assets $154.83 million Loans $117.09 million Deposits $147.30 million Equity Capital $7.03 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $5.07 million Real Estate Owned $239,000 Historic Data - December 2010 Assets $160.25 million Equity Capital $7.83 million Loan Loss Allowance $727,000 Unbacked Noncurrent Loans $4.38 million Profit Margin - Quarterly Net Interest Margin 5.2% Return on Assets 0.09% Return on Equity 1.88% Interest Income $7.37 million Non-Interest Income $1.39 million

Institution Health Overall Score: 2 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 Tri-Co Credit Union had $5.31 million in non-current loans and owned real-estate with $8.07 million in equity and loan loss allowances on hand to cover it. This gives Tri-Co Credit Union a Texas Ratio of 65.80% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Tri-Co Credit Union increased slightly from 51.15% as of December 31, 2010 to 65.80% as of December 31, 2011, resulting in a negative change of 28.64%. This indicates that the balance sheet and financial strength for Tri-Co Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Tri-Co Credit Union has decreased its total deposits by -$3.9 million, resulting in -2.58% 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 Tri-Co Credit Union has shown is below 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. Tri-Co Credit Union has $154.82 million in assets with $8.07 million in equity, resulting in a capitalization level of 5.21%, which is below average.

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