Daniels-Sheridan Credit Union

Daniels-Sheridan Credit Union is headquartered in Scobey and is the 20^th largest credit union in the state of Montana. It is also the 2,061^st largest credit union in the nation. It was established in 1943 and as of December of 2011, it had grown to 12 employees and 4,376 members. Daniels-Sheridan Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics DANIELS-SHERIDAN NCUA # 5063 BankRate Report View Year Chartered 1943 Employees 12 Primary Regulator Assets and Liabilities Assets $57.61 million Loans $28.38 million Deposits $50.41 million Equity Capital $6.97 million Loan Loss Allowance $138,000 Unbacked Noncurrent Loans $124,000 Historic Data - December 2010 Assets $52.71 million Equity Capital $6.78 million Loan Loss Allowance $168,000 Unbacked Noncurrent Loans $158,000 Profit Margin - Quarterly Net Interest Margin 5.32% Return on Assets 0.31% Return on Equity 2.6% Interest Income $2.01 million Non-Interest Income $180,000

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 Daniels-Sheridan Credit Union had $124,000 in non-current loans and owned real-estate with $7.1 million in equity and loan loss allowances on hand to cover it. This gives Daniels-Sheridan Credit Union a Texas Ratio of 1.75% 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 Daniels-Sheridan Credit Union decreased slightly from 2.27% as of December 31, 2010 to 1.75% as of December 31, 2011, resulting in a positive change of 23.20%.This indicates that the balance sheet and financial strength for Daniels-Sheridan Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Daniels-Sheridan Credit Union has increased its total deposits by $4.79 million, resulting in 10.5% 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 Daniels-Sheridan 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. Daniels-Sheridan Credit Union has $57.61 million in assets with $7.1 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

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