Ball State Credit Union

P O Box 1949
Muncie, IN 473081949
800-795-3998
www.bsfcu.com

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Ball State Credit Union is headquartered in Muncie and is the 33^rd largest credit union in the state of Indiana. It is also the 1,530^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 29 employees and 13,397 members. Ball State Credit Union has a 3-star health rating.

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See Rates for: Savings | CD | IRA

Ball State Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	$50k	-	Passbook IRA Tiers
0.15%	$50k	-	Passbook Roth IRA Tiers
0.15%	$50k	-	Passbook CESA Tiers
0.10%	$50k	-	Regular Savings Account
0.05%	-	-	Christmas Club Account
0.05%	-	-	Club Nine Account

Ball State Credit Union CD Rates

Apy	Min	Max	Product
1.20%	$40k	-	5 Year Jumbo CD
1.10%	$10k	-	5 Year Special CD
0.90%	$500	-	5 Year CD
0.90%	$40k	-	4 Year Jumbo CD
0.80%	$10k	-	4 Year Special CD
0.70%	$500	-	4 Year CD
0.60%	$40k	-	3 Year Jumbo CD
0.50%	$10k	-	3 Year Special CD
0.40%	$500	-	3 Year Member's Option CD
0.40%	$40k	-	2 Year Jumbo CD
0.35%	$10k	-	2 Year Special CD
0.35%	$40k	-	18 Month Jumbo CD
0.30%	$500	-	2 Year CD
0.30%	$10k	-	18 Month Special CD
0.30%	$40k	-	1 Year Jumbo CD
0.25%	$500	-	18 Month CD
0.25%	$10k	-	1 Year Special CD
0.20%	$500	-	1 Year CD
0.15%	$40k	-	6 Month Jumbo CD
0.12%	$1k	-	6 Month CD
0.12%	$40k	-	3 Month Jumbo CD
0.10%	$1k	-	3 Month CD
0.10%	$40k	-	30 Day Jumbo CD
0.08%	$10k	-	30 Day Special CD

Ball State Credit Union IRA Rates

Apy	Min	Max	Product
1.20%	$40k	-	5 Year Jumbo IRA
1.20%	$40k	-	5 Year Jumbo Roth IRA
1.20%	$40k	-	5 Year Jumbo CESA
1.10%	$10k	-	5 Year Special IRA
1.10%	$10k	-	5 Year Special Roth IRA
1.10%	$10k	-	5 Year Special CESA
0.90%	$40k	-	4 Year Jumbo IRA
0.90%	$500	-	5 Year IRA
0.90%	$40k	-	4 Year Jumbo Roth IRA
0.90%	$500	-	5 Year Roth IRA
0.90%	$40k	-	4 Year Jumbo CESA
0.90%	$500	-	5 Year CESA
0.80%	$10k	-	4 Year Special IRA
0.80%	$10k	-	4 Year Special Roth IRA
0.80%	$10k	-	4 Year Special CESA
0.70%	$500	-	4 Year IRA
0.70%	$500	-	4 Year Roth IRA
0.70%	$500	-	4 Year CESA
0.60%	$40k	-	3 Year Jumbo IRA
0.60%	$40k	-	3 Year Jumbo Roth IRA
0.60%	$40k	-	3 Year Jumbo CESA
0.50%	$10k	-	3 Year Special IRA
0.50%	$10k	-	3 Year Special Roth IRA
0.50%	$10k	-	3 Year Special CESA
0.40%	$40k	-	2 Year Jumbo IRA
0.40%	$500	-	3 Year Member's Option IRA
0.40%	$40k	-	2 Year Jumbo Roth IRA
0.40%	$500	-	3 Year Member's Option Roth IRA
0.40%	$40k	-	2 Year Jumbo CESA
0.40%	$500	-	3 Year Member's Option CESA
0.35%	$40k	-	18 Month Jumbo IRA
0.35%	$10k	-	2 Year Special IRA
0.35%	$40k	-	18 Month Jumbo Roth IRA
0.35%	$10k	-	2 Year Special Roth IRA
0.35%	$40k	-	18 Month Jumbo CESA
0.35%	$10k	-	2 Year Special CESA
0.30%	$40k	-	1 Year Jumbo IRA
0.30%	$10k	-	18 Month Special IRA
0.30%	$500	-	2 Year IRA
0.30%	$40k	-	1 Year Jumbo Roth IRA
0.30%	$10k	-	18 Month Special Roth IRA
0.30%	$500	-	2 Year Roth IRA
0.30%	$40k	-	1 Year Jumbo CESA
0.30%	$10k	-	18 Month Special CESA
0.30%	$500	-	2 Year CESA
0.25%	$10k	-	1 Year Special IRA
0.25%	$500	-	18 Month IRA
0.25%	$10k	-	1 Year Special Roth IRA
0.25%	$500	-	18 Month Roth IRA
0.25%	$10k	-	1 Year Special CESA
0.25%	$500	-	18 Month CESA
0.20%	$500	-	1 Year IRA
0.20%	$500	-	1 Year Roth IRA
0.20%	$500	-	1 Year CESA

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

BALL STATE
NCUA #	11103
BankRate Report	View
Year Chartered	1956
Employees	29
Primary Regulator
Assets and Liabilities
Assets	$88.39 million
Loans	$57.86 million
Deposits	$81.03 million
Equity Capital	$6.79 million
Loan Loss Allowance	$221,000
Unbacked Noncurrent Loans	$845,000
Real Estate Owned	$451,000
Historic Data - December 2010
Assets	$85.65 million
Equity Capital	$6.81 million
Loan Loss Allowance	$214,000
Unbacked Noncurrent Loans	$938,000
Real Estate Owned	$526,000
Profit Margin - Quarterly
Net Interest Margin	5.41%
Return on Assets	-0.02%
Return on Equity	-0.32%
Interest Income	$3.66 million
Non-Interest Income	$1.16 million

Institution Health

Overall Score:

3 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 Ball State Credit Union had $1.3 million in non-current loans and owned real-estate with $7.01 million in equity and loan loss allowances on hand to cover it. This gives Ball State Credit Union a Texas Ratio of 18.50% 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 Ball State Credit Union held steady from 20.85% as of December 31, 2010 to 18.50% as of December 31, 2011, resulting in a positive change of 11.29%.This indicates that the balance sheet and financial strength for Ball State Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Ball State Credit Union has increased its total deposits by $2.54 million, resulting in 3.24% 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 Ball State 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. Ball State Credit Union has $88.39 million in assets with $7.01 million in equity, resulting in a capitalization level of 7.93%, which is below average.

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