Great River Credit Union

Great River Credit Union is headquartered in Saint Cloud and is the 23^rd largest credit union in the state of Minnesota. It is also the 1,088^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 42 employees and 16,754 members. Great River Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics GREAT RIVER NCUA # 24632 BankRate Report View Year Chartered 1964 Employees 42 Primary Regulator Assets and Liabilities Assets $145.83 million Loans $85.89 million Deposits $130.27 million Equity Capital $14.82 million Loan Loss Allowance $887,000 Unbacked Noncurrent Loans $872,000 Real Estate Owned $1.02 million Historic Data - December 2010 Assets $141.31 million Equity Capital $14.56 million Loan Loss Allowance $826,000 Unbacked Noncurrent Loans $1.37 million Real Estate Owned $1.32 million Profit Margin - Quarterly Net Interest Margin 5.06% Return on Assets 0.17% Return on Equity 1.71% Interest Income $5.29 million Non-Interest Income $1.48 million

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 Great River Credit Union had $1.89 million in non-current loans and owned real-estate with $15.7 million in equity and loan loss allowances on hand to cover it. This gives Great River Credit Union a Texas Ratio of 12.02% 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 Great River Credit Union decreased slightly from 17.46% as of December 31, 2010 to 12.02% as of December 31, 2011, resulting in a positive change of 31.15%.This indicates that the balance sheet and financial strength for Great River Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Great River Credit Union has increased its total deposits by $4.32 million, resulting in 3.43% 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 Great River 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. Great River Credit Union has $145.83 million in assets with $15.7 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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