Tri-State CU (WV)

Tri-State CU (WV) is headquartered in Huntington and is the 53^rd largest credit union in the state of West Virginia. It is also the 4,612^st largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 4 employees and 2,323 members. Tri-State CU (WV) has a 5-star health rating.

Data for Q4 2011

Institution Statistics TRI-STATE NCUA # 14063 BankRate Report View Year Chartered 1960 Employees 4 Primary Regulator Assets and Liabilities Assets $10.06 million Loans $3.07 million Deposits $7.87 million Equity Capital $2.14 million Loan Loss Allowance $25,000 Unbacked Noncurrent Loans $43,000 Historic Data - December 2010 Assets $10.22 million Equity Capital $2.12 million Loan Loss Allowance $54,000 Unbacked Noncurrent Loans $127,000 Profit Margin - Quarterly Net Interest Margin 10.31% Return on Assets 0.22% Return on Equity 1.03% Interest Income $359,000 Non-Interest Income $69,000

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 Tri-State CU (WV) had $43,000 in non-current loans and owned real-estate with $2.17 million in equity and loan loss allowances on hand to cover it. This gives Tri-State CU (WV) a Texas Ratio of 1.98% 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 Tri-State CU (WV) decreased significantly from 5.84% as of December 31, 2010 to 1.98% as of December 31, 2011, resulting in a positive change of 66.05%.This indicates that the balance sheet and financial strength for Tri-State CU (WV) has improved significantly in recent periods. Deposit Growth In the past year, Tri-State CU (WV) has decreased its total deposits by $-178,000, resulting in -2.21% 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-State CU (WV) 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-State CU (WV) has $10.06 million in assets with $2.17 million in equity, resulting in a capitalization level of 21.56%, which is excellent.

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