Archer Cooperative Credit Union

Archer Cooperative Credit Union is headquartered in Archer and is the 15^st largest credit union in the state of Nebraska. It is also the 1,935^th largest credit union in the nation. It was established in 1984 and as of December of 2011, it had grown to 18 employees and 4,063 members. Archer Cooperative Credit Union's savings rates are 6X the national average, and it has a 4-star health rating.

Archer Cooperative Credit Union Routing Number: 304987191

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Data for Q4 2011

Institution Statistics ARCHER COOPERATIVE NCUA # 66270 BankRate Report View Year Chartered 1984 Employees 18 Primary Regulator Assets and Liabilities Assets $63.27 million Loans $53.76 million Deposits $56.92 million Equity Capital $5.24 million Loan Loss Allowance $904,000 Unbacked Noncurrent Loans $549,000 Real Estate Owned $1.11 million Historic Data - December 2010 Assets $60.86 million Equity Capital $6.50 million Loan Loss Allowance $538,000 Unbacked Noncurrent Loans $942,000 Real Estate Owned $1.99 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets -0.12% Return on Equity -1.47% Interest Income $3.33 million Non-Interest Income $380,000

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 Archer Cooperative Credit Union had $1.66 million in non-current loans and owned real-estate with $6.14 million in equity and loan loss allowances on hand to cover it. This gives Archer Cooperative Credit Union a Texas Ratio of 27.02% 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 Archer Cooperative Credit Union decreased slightly from 41.67% as of December 31, 2010 to 27.02% as of December 31, 2011, resulting in a positive change of 35.17%.This indicates that the balance sheet and financial strength for Archer Cooperative Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Archer Cooperative Credit Union has increased its total deposits by $3.77 million, resulting in 7.1% 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 Archer Cooperative 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. Archer Cooperative Credit Union has $63.27 million in assets with $6.14 million in equity, resulting in a capitalization level of 9.71%, which is average.

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