Cy-Hannibal Credit Union

Cy-Hannibal Credit Union is headquartered in Palmyra and is the 126^th largest credit union in the state of Missouri. It is also the 6,662^nd largest credit union in the nation. It was established in 1981 and as of December of 2011, it had grown to employees and 304 members. Cy-Hannibal Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics CY-HANNIBAL NCUA # 67795 BankRate Report View Year Chartered 1981 Employees 0 Primary Regulator Assets and Liabilities Assets $1.10 million Loans $498,000 Deposits $900,000 Equity Capital $191,000 Loan Loss Allowance $17,000 Unbacked Noncurrent Loans $38,000 Historic Data - December 2010 Assets $1.10 million Equity Capital $192,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $37,000 Profit Margin - Quarterly Net Interest Margin 7.3% Return on Assets 0% Return on Equity 0% Interest Income $40,000

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 Cy-Hannibal Credit Union had $38,000 in non-current loans and owned real-estate with $208,000 in equity and loan loss allowances on hand to cover it. This gives Cy-Hannibal Credit Union a Texas Ratio of 18.27% 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 Cy-Hannibal Credit Union held steady from 18.69% as of December 31, 2010 to 18.27% as of December 31, 2011, resulting in a positive change of 2.23%.This indicates that the balance sheet and financial strength for Cy-Hannibal Credit Union has held steady in recent periods. Deposit Growth In the past year, Cy-Hannibal Credit Union has decreased its total deposits by $-7,000, resulting in -0.77% 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 Cy-Hannibal Credit Union has shown is 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. Cy-Hannibal Credit Union has $1.1 million in assets with $208,000 in equity, resulting in a capitalization level of 19.00%, which is excellent.

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