Dawson Co-Op Credit Union

Dawson Co-Op Credit Union is headquartered in Dawson and is the 29^th largest credit union in the state of Minnesota. It is also the 1,303^rd largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 17 employees and 5,095 members. Dawson Co-Op Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Dawson Co-Op Credit Union IRA Rates

Data for Q4 2011

Institution Statistics DAWSON CO-OP NCUA # 61624 BankRate Report View Year Chartered 1961 Employees 17 Primary Regulator Assets and Liabilities Assets $114.22 million Loans $83.85 million Deposits $103.09 million Equity Capital $11.12 million Loan Loss Allowance $835,000 Unbacked Noncurrent Loans $713,000 Real Estate Owned $15,000 Historic Data - December 2010 Assets $100.62 million Equity Capital $9.52 million Loan Loss Allowance $666,000 Unbacked Noncurrent Loans $1.12 million Profit Margin - Quarterly Net Interest Margin 4.88% Return on Assets 1.4% Return on Equity 14.36% Interest Income $4.84 million Non-Interest Income $448,000

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 Dawson Co-Op Credit Union had $728,000 in non-current loans and owned real-estate with $11.95 million in equity and loan loss allowances on hand to cover it. This gives Dawson Co-Op Credit Union a Texas Ratio of 6.09% 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 Dawson Co-Op Credit Union decreased significantly from 11.01% as of December 31, 2010 to 6.09% as of December 31, 2011, resulting in a positive change of 44.66%.This indicates that the balance sheet and financial strength for Dawson Co-Op Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Dawson Co-Op Credit Union has increased its total deposits by $12.06 million, resulting in 13.25% 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 Dawson Co-Op 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. Dawson Co-Op Credit Union has $114.22 million in assets with $11.95 million in equity, resulting in a capitalization level of 10.46%, which is above average.

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