Community 1St CU (IA)

Community 1St CU (IA) is headquartered in Ottumwa and is the 6^th largest credit union in the state of Iowa. It is also the 503^rd largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 149 employees and 48,167 members. Community 1St CU (IA)'s savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics COMMUNITY 1ST NCUA # 68510 BankRate Report View Year Chartered 1936 Employees 149 Primary Regulator Assets and Liabilities Assets $411.64 million Loans $339.83 million Deposits $370.83 million Equity Capital $34.76 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $2.59 million Real Estate Owned $1.02 million Historic Data - December 2011 Assets $368.93 million Equity Capital $30.72 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $1.86 million Real Estate Owned $1.22 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.98% Return on Equity 11.62% Interest Income $16.82 million Non-Interest Income $6.34 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 Community 1St CU (IA) had $3.61 million in non-current loans and owned real-estate with $36.83 million in equity and loan loss allowances on hand to cover it. This gives Community 1St CU (IA) a Texas Ratio of 9.80% 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 Community 1St CU (IA) held steady from 9.51% as of December 31, 2011 to 9.80% as of December 31, 2012, resulting in a negative change of 3.10%. This indicates that the balance sheet and financial strength for Community 1St CU (IA) has held steady in recent periods. Deposit Growth In the past year, Community 1St CU (IA) has increased its total deposits by $38.65 million, resulting in 11.64% 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 Community 1St CU (IA) 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. Community 1St CU (IA) has $411.64 million in assets with $36.83 million in equity, resulting in a capitalization level of 8.95%, which is average.