Fall River Mun. Emp. Credit Union

Fall River Mun. Emp. Credit Union is headquartered in FALL RIVER and is the 33^rd largest credit union in the state of Massachusetts. It is also the 802^nd largest credit union in the nation. It was established in 1930 and as of December of 2011, it had grown to 58 employees and 16,554 members. Fall River Mun. Emp. Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics FALL RIVER MUNICIPAL NCUA # 67894 BankRate Report View Year Chartered 1930 Employees 58 Primary Regulator Assets and Liabilities Assets $223.43 million Loans $111.14 million Deposits $143.95 million Equity Capital $31.04 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $1.35 million Real Estate Owned $474,000 Historic Data - December 2010 Assets $228.78 million Equity Capital $34.52 million Loan Loss Allowance $524,000 Unbacked Noncurrent Loans $989,000 Real Estate Owned $439,000 Profit Margin - Quarterly Net Interest Margin 4.85% Return on Assets -1.51% Return on Equity -10.9% Interest Income $7.59 million Non-Interest Income $782,000

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 Fall River Mun. Emp. Credit Union had $1.82 million in non-current loans and owned real-estate with $32.56 million in equity and loan loss allowances on hand to cover it. This gives Fall River Mun. Emp. Credit Union a Texas Ratio of 5.59% 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 Fall River Mun. Emp. Credit Union held steady from 4.07% as of December 31, 2010 to 5.59% as of December 31, 2011, resulting in a negative change of 37.20%. This indicates that the balance sheet and financial strength for Fall River Mun. Emp. Credit Union has held steady in recent periods. Deposit Growth In the past year, Fall River Mun. Emp. Credit Union has increased its total deposits by $35,000, resulting in 0.02% 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 Fall River Mun. Emp. Credit Union has shown is 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. Fall River Mun. Emp. Credit Union has $223.43 million in assets with $32.56 million in equity, resulting in a capitalization level of 14.57%, which is excellent.

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