Citizens Community Credit Union

Citizens Community Credit Union is headquartered in Devils Lake and is the 8^th largest credit union in the state of North Dakota. It is also the 1,222^nd largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 49 employees and 9,131 members. Citizens Community Credit Union has a 5-star health rating.

Citizens Community Credit Union Routing Number: 291378266

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Data for Q4 2011

Institution Statistics CITIZENS COMMUNITY NCUA # 60600 BankRate Report View Year Chartered 1940 Employees 49 Primary Regulator Assets and Liabilities Assets $124.62 million Loans $89.02 million Deposits $111.54 million Equity Capital $11.75 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $397,000 Real Estate Owned $518,000 Historic Data - December 2010 Assets $117.57 million Equity Capital $10.50 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $1.41 million Real Estate Owned $1.47 million Profit Margin - Quarterly Net Interest Margin 5% Return on Assets 1% Return on Equity 10.62% Interest Income $5.82 million Non-Interest Income $1.48 million

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 Citizens Community Credit Union had $915,000 in non-current loans and owned real-estate with $12.89 million in equity and loan loss allowances on hand to cover it. This gives Citizens Community Credit Union a Texas Ratio of 7.10% 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 Citizens Community Credit Union decreased significantly from 24.68% as of December 31, 2010 to 7.10% as of December 31, 2011, resulting in a positive change of 71.23%.This indicates that the balance sheet and financial strength for Citizens Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Citizens Community Credit Union has increased its total deposits by $5.59 million, resulting in 5.28% 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 Citizens 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. Citizens Community Credit Union has $124.62 million in assets with $12.89 million in equity, resulting in a capitalization level of 10.34%, which is above average.

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