Central Macomb Community Credit Union

Central Macomb Community Credit Union is headquartered in Mount Clemens and is the 61^st largest credit union in the state of Michigan. It is also the 1,075^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 41 employees and 16,305 members. Central Macomb Community Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics CENTRAL MACOMB COMMUNITY NCUA # 60406 BankRate Report View Year Chartered 1957 Employees 41 Primary Regulator Assets and Liabilities Assets $147.80 million Loans $96.42 million Deposits $134.36 million Equity Capital $12.58 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $2.49 million Real Estate Owned $658,000 Historic Data - December 2010 Assets $152.93 million Equity Capital $11.69 million Loan Loss Allowance $3.57 million Unbacked Noncurrent Loans $2.66 million Real Estate Owned $1.22 million Profit Margin - Quarterly Net Interest Margin 4.99% Return on Assets 0.68% Return on Equity 7.95% Interest Income $6.32 million Non-Interest Income $2.30 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 Central Macomb Community Credit Union had $3.15 million in non-current loans and owned real-estate with $15.49 million in equity and loan loss allowances on hand to cover it. This gives Central Macomb Community Credit Union a Texas Ratio of 20.35% 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 Central Macomb Community Credit Union decreased slightly from 25.43% as of December 31, 2010 to 20.35% as of December 31, 2011, resulting in a positive change of 20.00%.This indicates that the balance sheet and financial strength for Central Macomb Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Central Macomb Community Credit Union has decreased its total deposits by -$6.08 million, resulting in -4.33% 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 Central Macomb Community Credit Union has shown is below 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. Central Macomb Community Credit Union has $147.8 million in assets with $15.49 million in equity, resulting in a capitalization level of 10.48%, which is above average.

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