Endura Financial Federal Credit Union

Endura Financial Federal Credit Union is headquartered in MINNEAPOLIS and is the 11^st largest credit union in the state of Minnesota. It is also the 584^th largest credit union in the nation. It was established in 1934 and as of December of 2012, it had grown to 51 employees and 27,603 members. Endura Financial Federal Credit Union has a 5-star health rating.

Related Posts

2010

• 8/3 - Endura Financial FCU (MN/MO) Dropped (eLife Checking) Rate... (Forum)

2008

• 12/19 - 4.00% 9-Month CD at Endura Financial FCU in MN & MO
• 12/19 - High-Yield Reward Checking Account at Endura Financial FCU in MN & MO

2007

• 11/2 - 5.35% 15-Month CD at a Minnesota CU - plus $50 Savings Account Bonus (Endura Financial)
• 2/27 - 5.55% 15-Month CD at a Minnesota/Missouri CU (Endura Financial)

Endura Financial Federal Credit Union Checking Account Rates

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Endura Financial Federal Credit Union IRA Rates

Data for Q4 2012

Institution Statistics ENDURA FINANCIAL NCUA # 24446 BankRate Report View Year Chartered 1934 Employees 51 Primary Regulator Assets and Liabilities Assets $352.71 million Loans $183.97 million Deposits $307.68 million Equity Capital $43.64 million Loan Loss Allowance $3.58 million Unbacked Noncurrent Loans $1.31 million Real Estate Owned $774,000 Historic Data - December 2011 Assets $341.17 million Equity Capital $42.64 million Loan Loss Allowance $3.41 million Unbacked Noncurrent Loans $2.14 million Real Estate Owned $836,000 Profit Margin - Quarterly Net Interest Margin 4.85% Return on Assets 0.33% Return on Equity 2.68% Interest Income $11.25 million Non-Interest Income $3.34 million

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, 2012 Endura Financial Federal Credit Union had $2.08 million in non-current loans and owned real-estate with $47.22 million in equity and loan loss allowances on hand to cover it. This gives Endura Financial Federal Credit Union a Texas Ratio of 4.41% 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 Endura Financial Federal Credit Union decreased slightly from 6.47% as of December 31, 2011 to 4.41% as of December 31, 2012, resulting in a positive change of 31.75%.This indicates that the balance sheet and financial strength for Endura Financial Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Endura Financial Federal Credit Union has increased its total deposits by $10.51 million, resulting in 3.54% 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 Endura Financial Federal 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. Endura Financial Federal Credit Union has $352.71 million in assets with $47.22 million in equity, resulting in a capitalization level of 13.39%, which is excellent.

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