Elkhorn Credit Union

PO Box 5508
Helena, MT 596045508
(406) 449-8690
www.elkhornfcu.com

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Elkhorn Credit Union is headquartered in Helena and is the 35^th largest credit union in the state of Montana. It is also the 4,077^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 9 employees and 2,738 members. Elkhorn Credit Union has a 5-star health rating.

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See Rates for: Savings | CD | IRA

Elkhorn Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$5k	-	IRA Share Account
0.25%	$5k	-	Roth IRA Share Account
0.25%	$5k	-	Educational IRA Share Account
0.05%	-	-	Regular Share Account
0.05%	-	-	Secondary Share Account
0.05%	-	-	Montana Medical Share Account
0.05%	-	-	First Time Home Buyers Account
0.05%	-	$75k	Silver Share Account

Elkhorn Credit Union CD Rates

Apy	Min	Max	Product
1.51%	$500	-	48 Month CD
1.26%	$500	-	36 Month CD Special
0.50%	$500	-	24 Month CD
0.40%	$500	-	12 Month CD
0.35%	$500	-	8 Month Relationship CD - Share Account + Two Services
0.25%	$500	-	8 Month Relationship CD - Share Account + Three Services
0.15%	$500	-	8 Month Relationship CD - Share Account + One Service
0.10%	$500	-	6 Month CD
0.10%	$100	-	3 Month Youth CD

Elkhorn Credit Union IRA Rates

Apy	Min	Max	Product
1.46%	$1k	-	48 Month IRA
1.46%	$1k	-	48 Month Roth IRA
1.46%	$1k	-	48 Month Educational IRA
1.26%	$1k	-	36 Month IRA
1.26%	$1k	-	36 Month Roth IRA
1.26%	$1k	-	36 Month Educational IRA
1.00%	$1k	-	24 Month IRA
1.00%	$1k	-	24 Month Roth IRA
1.00%	$1k	-	24 Month Educational IRA
0.70%	$1k	-	12 Month IRA
0.70%	$1k	-	12 Month Roth IRA
0.70%	$1k	-	12 Month Educational IRA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

ELKHORN
NCUA #	495
BankRate Report	View
Year Chartered	1935
Employees	9
Primary Regulator
Assets and Liabilities
Assets	$14.11 million
Loans	$8.42 million
Deposits	$12.77 million
Equity Capital	$1.29 million
Loan Loss Allowance	$169,000
Historic Data - December 2010
Assets	$13.45 million
Equity Capital	$1.26 million
Loan Loss Allowance	$183,000
Unbacked Noncurrent Loans	$50,000
Profit Margin - Quarterly
Net Interest Margin	6%
Return on Assets	0.32%
Return on Equity	3.5%
Interest Income	$593,000
Non-Interest Income	$219,000

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 Elkhorn Credit Union had $0 in non-current loans and owned real-estate with $1.46 million in equity and loan loss allowances on hand to cover it. This gives Elkhorn Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Elkhorn Credit Union has increased its total deposits by $627,000, resulting in 5.16% 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 Elkhorn 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. Elkhorn Credit Union has $14.11 million in assets with $1.46 million in equity, resulting in a capitalization level of 10.31%, which is above average.

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