Equishare Credit Union

Equishare Credit Union is headquartered in Wichita and is the 35^th largest credit union in the state of Kansas. It is also the 3,175^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 11 employees and 4,249 members. Equishare Credit Union has a 3-star health rating.

Equishare Credit Union Routing Number: 301180098

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Data for Q4 2011

Institution Statistics EQUISHARE NCUA # 62649 BankRate Report View Year Chartered 1932 Employees 11 Primary Regulator Assets and Liabilities Assets $25.54 million Loans $20.13 million Deposits $23.36 million Equity Capital $1.71 million Loan Loss Allowance $112,000 Unbacked Noncurrent Loans $192,000 Historic Data - December 2010 Assets $25.54 million Equity Capital $1.47 million Loan Loss Allowance $245,000 Unbacked Noncurrent Loans $404,000 Profit Margin - Quarterly Net Interest Margin 6.72% Return on Assets 1.08% Return on Equity 16.16% Interest Income $1.44 million Non-Interest Income $526,000

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 Equishare Credit Union had $192,000 in non-current loans and owned real-estate with $1.83 million in equity and loan loss allowances on hand to cover it. This gives Equishare Credit Union a Texas Ratio of 10.51% 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 Equishare Credit Union decreased significantly from 23.56% as of December 31, 2010 to 10.51% as of December 31, 2011, resulting in a positive change of 55.36%.This indicates that the balance sheet and financial strength for Equishare Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Equishare Credit Union has decreased its total deposits by $-437,000, resulting in -1.84% 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 Equishare 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. Equishare Credit Union has $25.54 million in assets with $1.83 million in equity, resulting in a capitalization level of 7.15%, which is below average.

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