Copoco Community Credit Union

Copoco Community Credit Union is headquartered in BAY CITY and is the 91^st largest credit union in the state of Michigan. It is also the 1,450^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 36 employees and 14,361 members. Copoco Community Credit Union has a 4-star health rating.

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Copoco Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics COPOCO COMMUNITY NCUA # 60470 BankRate Report View Year Chartered 1951 Employees 36 Primary Regulator Assets and Liabilities Assets $96.72 million Loans $59.50 million Deposits $85.77 million Equity Capital $8.88 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $1,000,000 Real Estate Owned $494,000 Historic Data - December 2010 Assets $92.61 million Equity Capital $8.64 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $1.67 million Real Estate Owned $427,000 Profit Margin - Quarterly Net Interest Margin 6.65% Return on Assets 0.29% Return on Equity 3.12% Interest Income $4.69 million Non-Interest Income $1.21 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 Copoco Community Credit Union had $1.49 million in non-current loans and owned real-estate with $10.43 million in equity and loan loss allowances on hand to cover it. This gives Copoco Community Credit Union a Texas Ratio of 14.33% 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 Copoco Community Credit Union decreased slightly from 20.08% as of December 31, 2010 to 14.33% as of December 31, 2011, resulting in a positive change of 28.65%.This indicates that the balance sheet and financial strength for Copoco Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Copoco Community Credit Union has increased its total deposits by $3.55 million, resulting in 4.32% 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 Copoco Community Credit Union 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. Copoco Community Credit Union has $96.72 million in assets with $10.43 million in equity, resulting in a capitalization level of 10.78%, which is above average.

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