White River Credit Union

White River Credit Union is headquartered in Rochester and is the 11^st largest credit union in the state of Vermont. It is also the 2,938^th largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 17 employees and 5,250 members. White River Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics WHITE RIVER NCUA # 64421 BankRate Report View Year Chartered 1947 Employees 17 Primary Regulator Assets and Liabilities Assets $30.00 million Loans $22.27 million Deposits $26.54 million Equity Capital $3.17 million Loan Loss Allowance $178,000 Unbacked Noncurrent Loans $240,000 Real Estate Owned $228,000 Historic Data - December 2010 Assets $26.89 million Equity Capital $3.11 million Loan Loss Allowance $128,000 Unbacked Noncurrent Loans $91,000 Real Estate Owned $228,000 Profit Margin - Quarterly Net Interest Margin 6.12% Return on Assets 0.17% Return on Equity 1.61% Interest Income $1.45 million Non-Interest Income $333,000

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 White River Credit Union had $468,000 in non-current loans and owned real-estate with $3.34 million in equity and loan loss allowances on hand to cover it. This gives White River Credit Union a Texas Ratio of 13.99% 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 White River Credit Union held steady from 9.84% as of December 31, 2010 to 13.99% as of December 31, 2011, resulting in a negative change of 42.19%. This indicates that the balance sheet and financial strength for White River Credit Union has held steady in recent periods. Deposit Growth In the past year, White River Credit Union has increased its total deposits by $3 million, resulting in 12.76% 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 White River 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. White River Credit Union has $30 million in assets with $3.34 million in equity, resulting in a capitalization level of 11.15%, which is above average.

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