Auto-Owners Associates Credit Union

Auto-Owners Associates Credit Union is headquartered in Lansing and is the 189^th largest credit union in the state of Michigan. It is also the 3,004^th largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 7 employees and 3,326 members. Auto-Owners Associates Credit Union has a 5-star health rating.

Auto-Owners Associates Credit Union Routing Number: 272481965

Data for Q4 2011

Institution Statistics AUTO-OWNERS ASSOCIATES NCUA # 62543 BankRate Report View Year Chartered 1948 Employees 7 Primary Regulator Assets and Liabilities Assets $28.71 million Loans $7.25 million Deposits $25.14 million Equity Capital $3.48 million Loan Loss Allowance $37,000 Unbacked Noncurrent Loans $13,000 Historic Data - December 2010 Assets $28.64 million Equity Capital $3.42 million Loan Loss Allowance $39,000 Unbacked Noncurrent Loans $27,000 Profit Margin - Quarterly Net Interest Margin 6.14% Return on Assets 0.2% Return on Equity 1.67% Interest Income $696,000 Non-Interest Income $286,000

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 Auto-Owners Associates Credit Union had $13,000 in non-current loans and owned real-estate with $3.51 million in equity and loan loss allowances on hand to cover it. This gives Auto-Owners Associates Credit Union a Texas Ratio of 0.37% 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 Auto-Owners Associates Credit Union decreased significantly from 0.78% as of December 31, 2010 to 0.37% as of December 31, 2011, resulting in a positive change of 52.61%.This indicates that the balance sheet and financial strength for Auto-Owners Associates Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Auto-Owners Associates Credit Union has increased its total deposits by $160,000, resulting in 0.64% 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 Auto-Owners Associates Credit Union has shown is average. 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. Auto-Owners Associates Credit Union has $28.71 million in assets with $3.51 million in equity, resulting in a capitalization level of 12.24%, which is excellent.

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