Bitterroot Community Credit Union

Bitterroot Community Credit Union is headquartered in Darby and is the 46^th largest credit union in the state of Montana. It is also the 5,257^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 3 employees and 1,193 members. Bitterroot Community Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics BITTERROOT COMMUNITY NCUA # 18964 BankRate Report View Year Chartered 1968 Employees 3 Primary Regulator Assets and Liabilities Assets $6.32 million Loans $3.55 million Deposits $5.72 million Equity Capital $584,000 Loan Loss Allowance $81,000 Unbacked Noncurrent Loans $42,000 Historic Data - December 2010 Assets $7.36 million Equity Capital $544,000 Loan Loss Allowance $82,000 Unbacked Noncurrent Loans $391,000 Profit Margin - Quarterly Net Interest Margin 8.13% Return on Assets 0.62% Return on Equity 6.68% Interest Income $317,000 Non-Interest Income $77,000

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 Bitterroot Community Credit Union had $42,000 in non-current loans and owned real-estate with $665,000 in equity and loan loss allowances on hand to cover it. This gives Bitterroot Community Credit Union a Texas Ratio of 6.32% 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 Bitterroot Community Credit Union decreased significantly from 62.46% as of December 31, 2010 to 6.32% as of December 31, 2011, resulting in a positive change of 89.89%.This indicates that the balance sheet and financial strength for Bitterroot Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Bitterroot Community Credit Union has decreased its total deposits by -$1.09 million, resulting in -16.02% 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 Bitterroot Community 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. Bitterroot Community Credit Union has $6.32 million in assets with $665,000 in equity, resulting in a capitalization level of 10.53%, which is above average.

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