Consumer's Credit Union (SD)

Consumer's Credit Union (SD) is headquartered in Gregory and is the 35^th largest credit union in the state of South Dakota. It is also the 4,718^st largest credit union in the nation. It was established in 1977 and as of December of 2011, it had grown to 4 employees and 961 members. Consumer's Credit Union (SD)'s savings rates are 5X the national average, and it boasts a 5-star health rating.

Consumer's Credit Union (SD) Checking Account Rates

Consumer's Credit Union (SD) Savings Account Rates

Consumer's Credit Union (SD) CD Rates

Consumer's Credit Union (SD) IRA Rates

Data for Q4 2011

Institution Statistics CONSUMER'S NCUA # 22719 BankRate Report View Year Chartered 1977 Employees 4 Primary Regulator Assets and Liabilities Assets $9.26 million Loans $5.35 million Deposits $8.45 million Equity Capital $765,000 Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $22,000 Historic Data - December 2010 Assets $9.00 million Equity Capital $745,000 Loan Loss Allowance $44,000 Unbacked Noncurrent Loans $168,000 Profit Margin - Quarterly Net Interest Margin 6.24% Return on Assets 0.26% Return on Equity 3.14% Interest Income $414,000 Non-Interest Income $168,000

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 Consumer's Credit Union (SD) had $22,000 in non-current loans and owned real-estate with $816,000 in equity and loan loss allowances on hand to cover it. This gives Consumer's Credit Union (SD) a Texas Ratio of 2.70% 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 Consumer's Credit Union (SD) decreased significantly from 21.29% as of December 31, 2010 to 2.70% as of December 31, 2011, resulting in a positive change of 87.34%.This indicates that the balance sheet and financial strength for Consumer's Credit Union (SD) has improved significantly in recent periods. Deposit Growth In the past year, Consumer's Credit Union (SD) has increased its total deposits by $249,000, resulting in 3.04% 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 Consumer's Credit Union (SD) 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. Consumer's Credit Union (SD) has $9.26 million in assets with $816,000 in equity, resulting in a capitalization level of 8.82%, which is average.

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