Arvin Employees Credit Union

Arvin Employees Credit Union is headquartered in Dexter and is the 130^th largest credit union in the state of Missouri. It is also the 6,737^th largest credit union in the nation. It was established in 1979 and as of December of 2011, it had grown to 1 employees and 263 members. Arvin Employees Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ARVIN EMPLOYEES NCUA # 65255 BankRate Report View Year Chartered 1979 Employees 1 Primary Regulator Assets and Liabilities Assets $930,000 Loans $704,000 Deposits $795,000 Equity Capital $134,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $18,000 Historic Data - December 2010 Assets $1.14 million Equity Capital $162,000 Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $19,000 Profit Margin - Quarterly Net Interest Margin 7.15% Return on Assets -3.12% Return on Equity -21.64% Interest Income $53,000 Non-Interest Income $3,000

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 Arvin Employees Credit Union had $18,000 in non-current loans and owned real-estate with $156,000 in equity and loan loss allowances on hand to cover it. This gives Arvin Employees Credit Union a Texas Ratio of 11.54% 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 Arvin Employees Credit Union held steady from 10.44% as of December 31, 2010 to 11.54% as of December 31, 2011, resulting in a negative change of 10.53%. This indicates that the balance sheet and financial strength for Arvin Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Arvin Employees Credit Union has decreased its total deposits by $-193,000, resulting in -19.53% 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 Arvin Employees Credit Union has shown is poor. 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. Arvin Employees Credit Union has $930,000 in assets with $156,000 in equity, resulting in a capitalization level of 16.77%, which is excellent.

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