Financial One Credit Union

Financial One Credit Union is headquartered in Columbia Height and is the 52^nd largest credit union in the state of Minnesota. It is also the 2,098^th largest credit union in the nation. It was established in 1933 and as of December of 2011, it had grown to 22 employees and 6,552 members. Financial One Credit Union's money market rates are 70% higher than the national average, and it has a 4-star health rating.

Financial One Credit Union Savings Account Rates

Financial One Credit Union Money Market Rates

Financial One Credit Union CD Rates

Financial One Credit Union IRA Rates

Data for Q4 2011

Institution Statistics FINANCIAL ONE NCUA # 64287 BankRate Report View Year Chartered 1933 Employees 22 Primary Regulator Assets and Liabilities Assets $56.13 million Loans $46.91 million Deposits $51.23 million Equity Capital $4.16 million Loan Loss Allowance $661,000 Unbacked Noncurrent Loans $245,000 Real Estate Owned $572,000 Historic Data - December 2010 Assets $56.99 million Equity Capital $4.46 million Loan Loss Allowance $502,000 Unbacked Noncurrent Loans $479,000 Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 5.72% Return on Assets -0.54% Return on Equity -7.31% Interest Income $3.04 million Non-Interest Income $550,000

Institution Health Overall Score: 4 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 Financial One Credit Union had $817,000 in non-current loans and owned real-estate with $4.82 million in equity and loan loss allowances on hand to cover it. This gives Financial One Credit Union a Texas Ratio of 16.95% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Financial One Credit Union decreased significantly from 31.28% as of December 31, 2010 to 16.95% as of December 31, 2011, resulting in a positive change of 45.80%.This indicates that the balance sheet and financial strength for Financial One Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Financial One Credit Union has decreased its total deposits by $-479,000, resulting in -0.93% 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 Financial One 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. Financial One Credit Union has $56.13 million in assets with $4.82 million in equity, resulting in a capitalization level of 8.59%, which is average.

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