Embarrass Vermillion Credit Union

Embarrass Vermillion Credit Union is headquartered in AURORA and is the 72^nd largest credit union in the state of Minnesota. It is also the 3,346^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 11 employees and 3,385 members. Embarrass Vermillion Credit Union's savings rates are 2X the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics EMBARRASS VERMILLION NCUA # 4708 BankRate Report View Year Chartered 1941 Employees 11 Primary Regulator Assets and Liabilities Assets $22.84 million Loans $20.02 million Deposits $20.10 million Equity Capital $2.75 million Loan Loss Allowance $190,000 Unbacked Noncurrent Loans $928,000 Real Estate Owned $68,000 Historic Data - December 2010 Assets $22.37 million Equity Capital $2.63 million Loan Loss Allowance $89,000 Unbacked Noncurrent Loans $626,000 Real Estate Owned $68,000 Profit Margin - Quarterly Net Interest Margin 6.36% Return on Assets 0.56% Return on Equity 4.68% Interest Income $1.43 million Non-Interest Income $166,000

Institution Health Overall Score: 3 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 Embarrass Vermillion Credit Union had $996,000 in non-current loans and owned real-estate with $2.94 million in equity and loan loss allowances on hand to cover it. This gives Embarrass Vermillion Credit Union a Texas Ratio of 33.83% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Embarrass Vermillion Credit Union increased slightly from 25.57% as of December 31, 2010 to 33.83% as of December 31, 2011, resulting in a negative change of 32.30%. This indicates that the balance sheet and financial strength for Embarrass Vermillion Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Embarrass Vermillion Credit Union has increased its total deposits by $358,000, resulting in 1.81% 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 Embarrass Vermillion Credit Union has shown is above 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. Embarrass Vermillion Credit Union has $22.84 million in assets with $2.94 million in equity, resulting in a capitalization level of 12.89%, which is excellent.

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