1St Liberty Credit Union

1St Liberty Credit Union is headquartered in Great Falls and is the 6^th largest credit union in the state of Montana. It is also the 1,081^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 67 employees and 21,482 members. 1St Liberty Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics 1ST LIBERTY NCUA # 10375 BankRate Report View Year Chartered 1955 Employees 67 Primary Regulator Assets and Liabilities Assets $146.95 million Loans $83.78 million Deposits $128.23 million Equity Capital $17.21 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $1.81 million Historic Data - December 2010 Assets $135.95 million Equity Capital $17.08 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $1.20 million Profit Margin - Quarterly Net Interest Margin 5.99% Return on Assets 0.13% Return on Equity 1.08% Interest Income $5.98 million Non-Interest Income $1.23 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 1St Liberty Credit Union had $1.81 million in non-current loans and owned real-estate with $18.76 million in equity and loan loss allowances on hand to cover it. This gives 1St Liberty Credit Union a Texas Ratio of 9.66% 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 1St Liberty Credit Union held steady from 6.60% as of December 31, 2010 to 9.66% as of December 31, 2011, resulting in a negative change of 46.40%. This indicates that the balance sheet and financial strength for 1St Liberty Credit Union has held steady in recent periods. Deposit Growth In the past year, 1St Liberty Credit Union has increased its total deposits by $10.6 million, resulting in 9.01% 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 1St Liberty 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. 1St Liberty Credit Union has $146.95 million in assets with $18.76 million in equity, resulting in a capitalization level of 12.76%, which is excellent.

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