Tuscaloosa Credit Union

Tuscaloosa Credit Union is headquartered in Tuscaloosa and is the 38^th largest credit union in the state of Alabama. It is also the 2,161^st largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 13 employees and 5,761 members. Tuscaloosa Credit Union's savings rates are 63% higher than the national average, and it has a 4-star health rating.

Tuscaloosa Credit Union Routing Number: 262277260

Tuscaloosa Credit Union Savings Account Rates

Tuscaloosa Credit Union CD Rates

Tuscaloosa Credit Union IRA Rates

Data for Q4 2011

Institution Statistics TUSCALOOSA NCUA # 60485 BankRate Report View Year Chartered 1951 Employees 13 Primary Regulator Assets and Liabilities Assets $53.50 million Loans $39.22 million Deposits $48.00 million Equity Capital $5.16 million Loan Loss Allowance $200,000 Unbacked Noncurrent Loans $689,000 Real Estate Owned $65,000 Historic Data - December 2010 Assets $48.98 million Equity Capital $4.82 million Loan Loss Allowance $157,000 Unbacked Noncurrent Loans $564,000 Real Estate Owned $65,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.64% Return on Equity 6.67% Interest Income $2.32 million Non-Interest Income $961,000

Institution Health Overall Score: 4 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 Tuscaloosa Credit Union had $754,000 in non-current loans and owned real-estate with $5.36 million in equity and loan loss allowances on hand to cover it. This gives Tuscaloosa Credit Union a Texas Ratio of 14.06% 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 Tuscaloosa Credit Union held steady from 12.65% as of December 31, 2010 to 14.06% as of December 31, 2011, resulting in a negative change of 11.22%. This indicates that the balance sheet and financial strength for Tuscaloosa Credit Union has held steady in recent periods. Deposit Growth In the past year, Tuscaloosa Credit Union has increased its total deposits by $4.23 million, resulting in 9.66% 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 Tuscaloosa 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. Tuscaloosa Credit Union has $53.5 million in assets with $5.36 million in equity, resulting in a capitalization level of 10.02%, which is above average.

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