Cr Community First Credit Union

Cr Community First Credit Union is headquartered in Eagle Butte and is the 45^th largest credit union in the state of South Dakota. It is also the 6,731^st largest credit union in the nation. It was established in 2007 and as of December of 2011, it had grown to 1 employees and 336 members. Cr Community First Credit Union has a 2-star health rating.

Data for Q4 2011

Institution Statistics CR COMMUNITY FIRST NCUA # 24785 BankRate Report View Year Chartered 2007 Employees 1 Primary Regulator Assets and Liabilities Assets $947,000 Loans $576,000 Deposits $894,000 Equity Capital $39,000 Loan Loss Allowance $89,000 Unbacked Noncurrent Loans $150,000 Historic Data - December 2010 Assets $1.18 million Equity Capital $39,000 Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $142,000 Profit Margin - Quarterly Net Interest Margin 11.96% Return on Assets 0.11% Return on Equity 2.56% Interest Income $76,000 Non-Interest Income $102,000

Institution Health Overall Score: 2 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 Cr Community First Credit Union had $150,000 in non-current loans and owned real-estate with $128,000 in equity and loan loss allowances on hand to cover it. This gives Cr Community First Credit Union a Texas Ratio of 117.19% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cr Community First Credit Union decreased slightly from 157.78% as of December 31, 2010 to 117.19% as of December 31, 2011, resulting in a positive change of 25.73%.This indicates that the balance sheet and financial strength for Cr Community First Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Cr Community First Credit Union has decreased its total deposits by $-231,000, resulting in -20.53% 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 Cr Community First Credit Union has shown is poor. 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. Cr Community First Credit Union has $947,000 in assets with $128,000 in equity, resulting in a capitalization level of 13.52%, which is excellent.

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