District 7 Highway Credit Union

District 7 Highway Credit Union is headquartered in Joplin and is the 70^th largest credit union in the state of Missouri. It is also the 4,012^st largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 2 employees and 1,563 members. District 7 Highway Credit Union has a 4-star health rating.

District 7 Highway Credit Union Routing Number: 301280503

Data for Q4 2011

Institution Statistics DISTRICT 7 HIGHWAY NCUA # 64708 BankRate Report View Year Chartered 1952 Employees 2 Primary Regulator Assets and Liabilities Assets $14.77 million Loans $4.67 million Deposits $13.10 million Equity Capital $1.65 million Loan Loss Allowance $54,000 Unbacked Noncurrent Loans $149,000 Historic Data - December 2010 Assets $14.62 million Equity Capital $1.58 million Loan Loss Allowance $58,000 Unbacked Noncurrent Loans $158,000 Profit Margin - Quarterly Net Interest Margin 5.33% Return on Assets 0.49% Return on Equity 4.37% Interest Income $435,000

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 District 7 Highway Credit Union had $149,000 in non-current loans and owned real-estate with $1.7 million in equity and loan loss allowances on hand to cover it. This gives District 7 Highway Credit Union a Texas Ratio of 8.75% 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 District 7 Highway Credit Union held steady from 9.66% as of December 31, 2010 to 8.75% as of December 31, 2011, resulting in a positive change of 9.41%.This indicates that the balance sheet and financial strength for District 7 Highway Credit Union has held steady in recent periods. Deposit Growth In the past year, District 7 Highway Credit Union has increased its total deposits by $92,000, resulting in 0.71% 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 District 7 Highway 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. District 7 Highway Credit Union has $14.77 million in assets with $1.7 million in equity, resulting in a capitalization level of 11.53%, which is above average.

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