Central Missouri Community Credit Union

Central Missouri Community Credit Union is headquartered in Warrensburg and is the 26^th largest credit union in the state of Missouri. It is also the 1,603^rd largest credit union in the nation. It was established in 1961 and as of December of 2012, it had grown to 36 employees and 14,012 members. Central Missouri Community Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics CENTRAL MISSOURI COMMUNITY NCUA # 60383 BankRate Report View Year Chartered 1961 Employees 36 Primary Regulator Assets and Liabilities Assets $87.47 million Loans $51.84 million Deposits $80.59 million Equity Capital $6.96 million Loan Loss Allowance $292,000 Unbacked Noncurrent Loans $676,000 Historic Data - December 2011 Assets $74.27 million Equity Capital $6.27 million Loan Loss Allowance $321,000 Unbacked Noncurrent Loans $384,000 Profit Margin - Quarterly Net Interest Margin 5.09% Return on Assets 0.79% Return on Equity 9.9% Interest Income $3.25 million Non-Interest Income $1.67 million

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, 2012 Central Missouri Community Credit Union had $676,000 in non-current loans and owned real-estate with $7.25 million in equity and loan loss allowances on hand to cover it. This gives Central Missouri Community Credit Union a Texas Ratio of 9.32% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Missouri Community Credit Union held steady from 5.82% as of December 31, 2011 to 9.32% as of December 31, 2012, resulting in a negative change of 60.02%. This indicates that the balance sheet and financial strength for Central Missouri Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Central Missouri Community Credit Union has increased its total deposits by $12.74 million, resulting in 18.77% 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 Missouri Community Credit Union has shown is excellent. 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 Missouri Community Credit Union has $87.47 million in assets with $7.25 million in equity, resulting in a capitalization level of 8.29%, which is average.

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