Triple C 16 Credit Union

Triple C 16 Credit Union is headquartered in BALTIMORE and is the 87^th largest credit union in the state of Maryland. It is also the 5,578^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 2 employees and 769 members. Triple C 16 Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics TRIPLE C 16 NCUA # 9176 BankRate Report View Year Chartered 1954 Employees 2 Primary Regulator Assets and Liabilities Assets $4.77 million Loans $2.05 million Deposits $3.30 million Equity Capital $1.46 million Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $41,000 Historic Data - December 2010 Assets $5.03 million Equity Capital $1.55 million Loan Loss Allowance $32,000 Unbacked Noncurrent Loans $24,000 Profit Margin - Quarterly Net Interest Margin 6.24% Return on Assets -1.76% Return on Equity -5.75% Interest Income $203,000 Non-Interest Income $1,000

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 Triple C 16 Credit Union had $41,000 in non-current loans and owned real-estate with $1.5 million in equity and loan loss allowances on hand to cover it. This gives Triple C 16 Credit Union a Texas Ratio of 2.73% 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 Triple C 16 Credit Union held steady from 1.52% as of December 31, 2010 to 2.73% as of December 31, 2011, resulting in a negative change of 79.48%. This indicates that the balance sheet and financial strength for Triple C 16 Credit Union has held steady in recent periods. Deposit Growth In the past year, Triple C 16 Credit Union has decreased its total deposits by $-169,000, resulting in -4.87% 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 Triple C 16 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. Triple C 16 Credit Union has $4.77 million in assets with $1.5 million in equity, resulting in a capitalization level of 31.48%, which is excellent.

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