Community 1St CU (MT)

Community 1St CU (MT) is headquartered in Miles City and is the 28^th largest credit union in the state of Montana. It is also the 3,504^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 7 employees and 3,200 members. Community 1St CU (MT)'s savings rates are 73% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics COMMUNITY 1ST NCUA # 8588 BankRate Report View Year Chartered 1953 Employees 7 Primary Regulator Assets and Liabilities Assets $20.71 million Loans $12.49 million Deposits $18.69 million Equity Capital $1.85 million Loan Loss Allowance $31,000 Unbacked Noncurrent Loans $42,000 Historic Data - December 2010 Assets $18.82 million Equity Capital $1.81 million Loan Loss Allowance $33,000 Unbacked Noncurrent Loans $105,000 Profit Margin - Quarterly Net Interest Margin 5.89% Return on Assets 0.2% Return on Equity 2.21% Interest Income $872,000 Non-Interest Income $180,000

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 Community 1St CU (MT) had $42,000 in non-current loans and owned real-estate with $1.88 million in equity and loan loss allowances on hand to cover it. This gives Community 1St CU (MT) a Texas Ratio of 2.23% 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 Community 1St CU (MT) decreased significantly from 5.69% as of December 31, 2010 to 2.23% as of December 31, 2011, resulting in a positive change of 60.83%.This indicates that the balance sheet and financial strength for Community 1St CU (MT) has improved significantly in recent periods. Deposit Growth In the past year, Community 1St CU (MT) has increased its total deposits by $1.9 million, resulting in 11.33% 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 (MT) 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 (MT) has $20.71 million in assets with $1.88 million in equity, resulting in a capitalization level of 9.09%, which is average.

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