B & W Miss. Employees Credit Union

B & W Miss. Employees Credit Union is headquartered in West Point and is the 48^th largest credit union in the state of Mississippi. It is also the 5,059^th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 3 employees and 949 members. B & W Miss. Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics B & W MISS. EMPLOYEES NCUA # 21358 BankRate Report View Year Chartered 1973 Employees 3 Primary Regulator Assets and Liabilities Assets $7.36 million Loans $2.01 million Deposits $5.74 million Equity Capital $1.62 million Loan Loss Allowance $26,000 Unbacked Noncurrent Loans $6,000 Historic Data - December 2010 Assets $7.16 million Equity Capital $1.62 million Loan Loss Allowance $24,000 Unbacked Noncurrent Loans $17,000 Profit Margin - Quarterly Net Interest Margin 7.31% Return on Assets 0.03% Return on Equity 0.12% Interest Income $271,000 Non-Interest Income $11,000

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 B & W Miss. Employees Credit Union had $6,000 in non-current loans and owned real-estate with $1.65 million in equity and loan loss allowances on hand to cover it. This gives B & W Miss. Employees Credit Union a Texas Ratio of 0.36% 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 B & W Miss. Employees Credit Union decreased significantly from 1.03% as of December 31, 2010 to 0.36% as of December 31, 2011, resulting in a positive change of 64.79%.This indicates that the balance sheet and financial strength for B & W Miss. Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, B & W Miss. Employees Credit Union has increased its total deposits by $201,000, resulting in 3.63% 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 B & W Miss. 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. B & W Miss. Employees Credit Union has $7.36 million in assets with $1.65 million in equity, resulting in a capitalization level of 22.37%, which is excellent.

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