A.Y. Mcdonald Employees Credit Union

A.Y. Mcdonald Employees Credit Union is headquartered in Dubuque and is the 124^th largest credit union in the state of Iowa. It is also the 6,854^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 3 employees and 237 members. A.Y. Mcdonald Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics A.Y. MCDONALD EMPLOYEES NCUA # 64392 BankRate Report View Year Chartered 1964 Employees 3 Primary Regulator Assets and Liabilities Assets $673,000 Loans $285,000 Deposits $555,000 Equity Capital $118,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $4,000 Historic Data - December 2010 Assets $662,000 Equity Capital $118,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $21,000 Profit Margin - Quarterly Net Interest Margin 7.88% Return on Assets 0% Return on Equity 0% Interest Income $28,000

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 A.Y. Mcdonald Employees Credit Union had $4,000 in non-current loans and owned real-estate with $120,000 in equity and loan loss allowances on hand to cover it. This gives A.Y. Mcdonald Employees Credit Union a Texas Ratio of 3.33% 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 A.Y. Mcdonald Employees Credit Union decreased significantly from 16.41% as of December 31, 2010 to 3.33% as of December 31, 2011, resulting in a positive change of 79.68%.This indicates that the balance sheet and financial strength for A.Y. Mcdonald Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, A.Y. Mcdonald Employees Credit Union has increased its total deposits by $11,000, resulting in 2.02% 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 A.Y. Mcdonald Employees Credit Union has shown is above 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. A.Y. Mcdonald Employees Credit Union has $673,000 in assets with $120,000 in equity, resulting in a capitalization level of 17.83%, which is excellent.

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