Tuskegee Credit Union

Tuskegee Credit Union is headquartered in TUSKEGEE and is the 101^st largest credit union in the state of Alabama. It is also the 5,523^rd largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 4 employees and 2,240 members. Tuskegee Credit Union has a 1-star health rating.

Tuskegee Credit Union Savings Account Rates

Tuskegee Credit Union CD Rates

Data for Q4 2011

Institution Statistics TUSKEGEE NCUA # 2791 BankRate Report View Year Chartered 1938 Employees 4 Primary Regulator Assets and Liabilities Assets $5.01 million Loans $3.05 million Deposits $4.74 million Equity Capital $101,000 Loan Loss Allowance $148,000 Unbacked Noncurrent Loans $438,000 Historic Data - December 2010 Assets $5.57 million Equity Capital ($52,000) Loan Loss Allowance $329,000 Unbacked Noncurrent Loans $435,000 Profit Margin - Quarterly Net Interest Margin 11.54% Return on Assets 1.02% Return on Equity 50.5% Interest Income $361,000 Non-Interest Income $66,000

Institution Health Overall Score: 1 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 Tuskegee Credit Union had $438,000 in non-current loans and owned real-estate with $249,000 in equity and loan loss allowances on hand to cover it. This gives Tuskegee Credit Union a Texas Ratio of 175.90% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Tuskegee Credit Union held steady from 157.04% as of December 31, 2010 to 175.90% as of December 31, 2011, resulting in a negative change of 12.01%. This indicates that the balance sheet and financial strength for Tuskegee Credit Union has held steady in recent periods. Deposit Growth In the past year, Tuskegee Credit Union has decreased its total deposits by $-751,000, resulting in -13.69% 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 Tuskegee 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. Tuskegee Credit Union has $5.01 million in assets with $249,000 in equity, resulting in a capitalization level of 4.97%, which is poor.

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