Community Financial Members Credit Union

Community Financial Members Credit Union is headquartered in PLYMOUTH and is the 16^st largest credit union in the state of Michigan. It is also the 412^st largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 140 employees and 48,997 members. Community Financial Members Credit Union's money market rates are 25% higher than the national average, and it has a 4-star health rating.

Community Financial Members Credit Union Checking Account Rates

Community Financial Members Credit Union Savings Account Rates

Community Financial Members Credit Union Money Market Rates

Community Financial Members Credit Union CD Rates

Community Financial Members Credit Union IRA Rates

Data for Q4 2011

Institution Statistics COMMUNITY FINANCIAL MEMBERS NCUA # 7275 BankRate Report View Year Chartered 1951 Employees 140 Primary Regulator Assets and Liabilities Assets $477.88 million Loans $439.21 million Deposits $413.32 million Equity Capital $53.59 million Loan Loss Allowance $4.10 million Unbacked Noncurrent Loans $8.27 million Real Estate Owned $1.13 million Historic Data - December 2010 Assets $457.01 million Equity Capital $43.13 million Loan Loss Allowance $6.99 million Unbacked Noncurrent Loans $6.60 million Real Estate Owned $487,000 Profit Margin - Quarterly Net Interest Margin 4.68% Return on Assets 2.19% Return on Equity 19.52% Interest Income $23.61 million Non-Interest Income $6.61 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, 2011 Community Financial Members Credit Union had $9.4 million in non-current loans and owned real-estate with $57.7 million in equity and loan loss allowances on hand to cover it. This gives Community Financial Members Credit Union a Texas Ratio of 16.29% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Financial Members Credit Union held steady from 14.15% as of December 31, 2010 to 16.29% as of December 31, 2011, resulting in a negative change of 15.15%. This indicates that the balance sheet and financial strength for Community Financial Members Credit Union has held steady in recent periods. Deposit Growth In the past year, Community Financial Members Credit Union has increased its total deposits by $24.21 million, resulting in 6.22% 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 Financial Members 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. Community Financial Members Credit Union has $477.88 million in assets with $57.7 million in equity, resulting in a capitalization level of 12.07%, which is excellent.

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