Y-12 Credit Union

Y-12 Credit Union is headquartered in OAK RIDGE and is the 6^th largest credit union in the state of Tennessee. It is also the 322^nd largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 221 employees and 74,071 members. Y-12 Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics Y-12 NCUA # 6775 BankRate Report View Year Chartered 1950 Employees 221 Primary Regulator Assets and Liabilities Assets $606.24 million Loans $438.07 million Deposits $549.17 million Equity Capital $53.32 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $1.11 million Real Estate Owned $1.16 million Historic Data - December 2010 Assets $551.06 million Equity Capital $51.10 million Loan Loss Allowance $2.31 million Unbacked Noncurrent Loans $1.50 million Real Estate Owned $1.08 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 0.61% Return on Equity 6.92% Interest Income $22.55 million Non-Interest Income $9.71 million

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 Y-12 Credit Union had $2.27 million in non-current loans and owned real-estate with $55.32 million in equity and loan loss allowances on hand to cover it. This gives Y-12 Credit Union a Texas Ratio of 4.10% 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 Y-12 Credit Union decreased slightly from 4.83% as of December 31, 2010 to 4.10% as of December 31, 2011, resulting in a positive change of 15.19%.This indicates that the balance sheet and financial strength for Y-12 Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Y-12 Credit Union has increased its total deposits by $53.58 million, resulting in 10.81% 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 Y-12 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. Y-12 Credit Union has $606.24 million in assets with $55.32 million in equity, resulting in a capitalization level of 9.13%, which is average.

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