Columbus Metro Credit Union

4000 E. Broad St., PO Box 13240
Columbus, OH 43213
800-986-3876
www.columbusmetro.org

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Columbus Metro Credit Union is headquartered in Columbus and is the 22^nd largest credit union in the state of Ohio. It is also the 820^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 41 employees and 21,679 members. Columbus Metro Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Competitive CD Rates at Columbus Metro Credit Union in Ohio - Local Only - 10/17/2011

Columbus Metro Credit Union is offering competitive long-term CD and IRA CD rates. The two best are the 2.75% APY 5-year CD and the 2.50% APY 4-year CD. Minimum deposit is $500. These rates are listed ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Columbus Metro Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.50%	$250	-	Metro Deluxe Checking Account

Columbus Metro Credit Union Savings Account Rates

Apy	Min	Max	Product
1.51%	-	-	IRA Share Savings Account
1.25%	$250	-	Education Growth Fund
0.50%	$250	-	Regular Share Savings Account
0.50%	$250	-	Christmas Club Account
0.50%	$250	-	Vacation Club Account

Columbus Metro Credit Union Money Market Rates

Apy	Min	Max	Product
0.70%	$50k	-	Super Money Market Account
0.50%	$1k	-	Money Market Account

Columbus Metro Credit Union CD Rates

Apy	Min	Max	Product
1.90%	$500	-	60 Month Share Certificate
1.55%	$500	-	48 Month Share Certificate
1.05%	$500	-	36 Month Share Certificate
0.90%	$500	-	30 Month Share Certificate
0.80%	$500	-	24 Month Share Certificate
0.70%	$500	-	18 Month Share Certificate
0.65%	$500	-	12 Month Share Certificate
0.65%	$500	-	15 Month Share Certificate
0.50%	$1k	-	6 Month Share Certificate

Columbus Metro Credit Union IRA Rates

Apy	Min	Max	Product
1.90%	$500	-	60 Month IRA
1.90%	$500	-	60 Month Roth IRA
1.90%	$500	-	60 Month CESA
1.55%	$500	-	48 Month IRA
1.55%	$500	-	48 Month Roth IRA
1.55%	$500	-	48 Month CESA
1.05%	$500	-	36 Month IRA
1.05%	$500	-	36 Month Roth IRA
1.05%	$500	-	36 Month CESA
0.90%	$500	-	30 Month IRA
0.90%	$500	-	30 Month Roth IRA
0.90%	$500	-	30 Month CESA
0.80%	$500	-	24 Month IRA
0.80%	$500	-	24 Month Roth IRA
0.80%	$500	-	24 Month CESA
0.70%	$500	-	18 Month IRA
0.70%	$500	-	18 Month Roth IRA
0.70%	$500	-	18 Month CESA
0.65%	$500	-	12 Month IRA
0.65%	$500	-	15 Month IRA
0.65%	$500	-	12 Month Roth IRA
0.65%	$500	-	15 Month Roth IRA
0.65%	$500	-	12 Month CESA
0.65%	$500	-	15 Month CESA
0.50%	$1k	-	6 Month IRA
0.50%	$1k	-	6 Month Roth IRA
0.50%	$1k	-	6 Month CESA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

COLUMBUS METRO
NCUA #	7393
BankRate Report	View
Year Chartered	1951
Employees	41
Primary Regulator
Assets and Liabilities
Assets	$215.74 million
Loans	$134.27 million
Deposits	$194.83 million
Equity Capital	$18.04 million
Loan Loss Allowance	$2.00 million
Unbacked Noncurrent Loans	$652,000
Real Estate Owned	$497,000
Historic Data - December 2010
Assets	$192.46 million
Equity Capital	$16.24 million
Loan Loss Allowance	$1.78 million
Unbacked Noncurrent Loans	$1.38 million
Real Estate Owned	$47,000
Profit Margin - Quarterly
Net Interest Margin	4.67%
Return on Assets	0.83%
Return on Equity	9.96%
Interest Income	$8.45 million
Non-Interest Income	$2.35 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 Columbus Metro Credit Union had $1.15 million in non-current loans and owned real-estate with $20.04 million in equity and loan loss allowances on hand to cover it. This gives Columbus Metro Credit Union a Texas Ratio of 5.73% 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 Columbus Metro Credit Union decreased slightly from 7.93% as of December 31, 2010 to 5.73% as of December 31, 2011, resulting in a positive change of 27.69%.This indicates that the balance sheet and financial strength for Columbus Metro Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Columbus Metro Credit Union has increased its total deposits by $20.4 million, resulting in 11.7% 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 Columbus Metro 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. Columbus Metro Credit Union has $215.74 million in assets with $20.04 million in equity, resulting in a capitalization level of 9.29%, which is average.