Downriver Community Credit Union

Downriver Community Credit Union is headquartered in ECORSE and is the 63^rd largest credit union in the state of Michigan. It is also the 1,120^th largest credit union in the nation. It was established in 1942 and as of December of 2011, it had grown to 29 employees and 20,918 members. Downriver Community Credit Union's money market rates are 70% higher than the national average, and it has a 4-star health rating.

Downriver Community Credit Union Checking Account Rates

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Downriver Community Credit Union Money Market Rates

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Downriver Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics DOWNRIVER COMMUNITY NCUA # 4853 BankRate Report View Year Chartered 1942 Employees 29 Primary Regulator Assets and Liabilities Assets $140.46 million Loans $51.29 million Deposits $128.14 million Equity Capital $10.91 million Loan Loss Allowance $900,000 Unbacked Noncurrent Loans $1.20 million Real Estate Owned $177,000 Historic Data - December 2010 Assets $143.79 million Equity Capital $11.25 million Loan Loss Allowance $926,000 Unbacked Noncurrent Loans $1.87 million Real Estate Owned $197,000 Profit Margin - Quarterly Net Interest Margin 6.21% Return on Assets -0.25% Return on Equity -3.17% Interest Income $4.14 million Non-Interest Income $1.39 million

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 Downriver Community Credit Union had $1.38 million in non-current loans and owned real-estate with $11.81 million in equity and loan loss allowances on hand to cover it. This gives Downriver Community Credit Union a Texas Ratio of 11.65% 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 Downriver Community Credit Union decreased slightly from 17.00% as of December 31, 2010 to 11.65% as of December 31, 2011, resulting in a positive change of 31.44%.This indicates that the balance sheet and financial strength for Downriver Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Downriver Community Credit Union has decreased its total deposits by -$3.06 million, resulting in -2.34% 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 Downriver Community Credit Union has shown is below 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. Downriver Community Credit Union has $140.46 million in assets with $11.81 million in equity, resulting in a capitalization level of 8.41%, which is average.

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