Aberdeen Credit Union

Aberdeen Credit Union is headquartered in ABERDEEN and is the 5^th largest credit union in the state of South Dakota. It is also the 1,498^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 31 employees and 10,465 members. Aberdeen Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

Aberdeen Credit Union Checking Account Rates

Aberdeen Credit Union Savings Account Rates

Aberdeen Credit Union CD Rates

Data for Q4 2011

Institution Statistics ABERDEEN NCUA # 274 BankRate Report View Year Chartered 1935 Employees 31 Primary Regulator Assets and Liabilities Assets $92.69 million Loans $74.40 million Deposits $83.60 million Equity Capital $7.55 million Loan Loss Allowance $533,000 Unbacked Noncurrent Loans $1.45 million Real Estate Owned $94,000 Historic Data - December 2010 Assets $85.88 million Equity Capital $7.05 million Loan Loss Allowance $630,000 Unbacked Noncurrent Loans $1.91 million Real Estate Owned $69,000 Profit Margin - Quarterly Net Interest Margin 5.63% Return on Assets 1% Return on Equity 12.28% Interest Income $4.76 million Non-Interest Income $1.35 million

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 Aberdeen Credit Union had $1.54 million in non-current loans and owned real-estate with $8.08 million in equity and loan loss allowances on hand to cover it. This gives Aberdeen Credit Union a Texas Ratio of 19.10% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Aberdeen Credit Union decreased slightly from 25.77% as of December 31, 2010 to 19.10% as of December 31, 2011, resulting in a positive change of 25.88%.This indicates that the balance sheet and financial strength for Aberdeen Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Aberdeen Credit Union has increased its total deposits by $6.4 million, resulting in 8.29% 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 Aberdeen 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. Aberdeen Credit Union has $92.69 million in assets with $8.08 million in equity, resulting in a capitalization level of 8.72%, which is average.

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