City & County Credit Union

City & County Credit Union is headquartered in Saint Paul and is the 10^st largest credit union in the state of Minnesota. It is also the 543^rd largest credit union in the nation. It was established in 1928 and as of December of 2011, it had grown to 70 employees and 38,326 members. City & County Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics CITY & COUNTY NCUA # 60255 BankRate Report View Year Chartered 1928 Employees 70 Primary Regulator Assets and Liabilities Assets $355.05 million Loans $186.48 million Deposits $313.24 million Equity Capital $37.73 million Loan Loss Allowance $5.91 million Unbacked Noncurrent Loans $3.63 million Real Estate Owned $353,000 Historic Data - December 2010 Assets $344.90 million Equity Capital $34.21 million Loan Loss Allowance $8.58 million Unbacked Noncurrent Loans $4.85 million Real Estate Owned $1.82 million Profit Margin - Quarterly Net Interest Margin 6.15% Return on Assets 1.01% Return on Equity 9.53% Interest Income $13.28 million Non-Interest Income $4.45 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 City & County Credit Union had $3.98 million in non-current loans and owned real-estate with $43.64 million in equity and loan loss allowances on hand to cover it. This gives City & County Credit Union a Texas Ratio of 9.13% 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 City & County Credit Union decreased significantly from 15.59% as of December 31, 2010 to 9.13% as of December 31, 2011, resulting in a positive change of 41.43%.This indicates that the balance sheet and financial strength for City & County Credit Union has improved significantly in recent periods. Deposit Growth In the past year, City & County Credit Union has increased its total deposits by $5.81 million, resulting in 1.89% 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 City & County 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. City & County Credit Union has $355.05 million in assets with $43.64 million in equity, resulting in a capitalization level of 12.29%, which is excellent.

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