Educational Community CU (MO)

Educational Community CU (MO) is headquartered in Springfield and is the 37^th largest credit union in the state of Missouri. It is also the 2,289^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 20 employees and 7,263 members. Educational Community CU (MO)'s money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

Educational Community CU (MO) Savings Account Rates

Educational Community CU (MO) Money Market Rates

Educational Community CU (MO) CD Rates

Educational Community CU (MO) IRA Rates

Data for Q4 2011

Institution Statistics EDUCATIONAL COMMUNITY NCUA # 62589 BankRate Report View Year Chartered 1938 Employees 20 Primary Regulator Assets and Liabilities Assets $48.19 million Loans $18.79 million Deposits $43.24 million Equity Capital $4.59 million Loan Loss Allowance $112,000 Unbacked Noncurrent Loans $256,000 Real Estate Owned $46,000 Historic Data - December 2010 Assets $44.50 million Equity Capital $3.58 million Loan Loss Allowance $112,000 Unbacked Noncurrent Loans $208,000 Profit Margin - Quarterly Net Interest Margin 5.32% Return on Assets 0.45% Return on Equity 4.69% Interest Income $1.89 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 Educational Community CU (MO) had $302,000 in non-current loans and owned real-estate with $4.7 million in equity and loan loss allowances on hand to cover it. This gives Educational Community CU (MO) a Texas Ratio of 6.43% 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 Educational Community CU (MO) held steady from 5.64% as of December 31, 2010 to 6.43% as of December 31, 2011, resulting in a negative change of 13.96%. This indicates that the balance sheet and financial strength for Educational Community CU (MO) has held steady in recent periods. Deposit Growth In the past year, Educational Community CU (MO) has increased its total deposits by $2.64 million, resulting in 6.5% 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 Educational Community CU (MO) 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. Educational Community CU (MO) has $48.18 million in assets with $4.7 million in equity, resulting in a capitalization level of 9.75%, which is average.

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