Highmark Credit Union

Highmark Credit Union is headquartered in Rapid City and is the 6^th largest credit union in the state of South Dakota. It is also the 1,617^st largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 30 employees and 8,659 members. Highmark Credit Union's savings rates are 6X the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics HIGHMARK NCUA # 4122 BankRate Report View Year Chartered 1940 Employees 30 Primary Regulator Assets and Liabilities Assets $82.21 million Loans $60.69 million Deposits $73.39 million Equity Capital $5.81 million Loan Loss Allowance $535,000 Unbacked Noncurrent Loans $931,000 Real Estate Owned $437,000 Historic Data - December 2010 Assets $76.03 million Equity Capital $5.27 million Loan Loss Allowance $492,000 Unbacked Noncurrent Loans $498,000 Real Estate Owned $485,000 Profit Margin - Quarterly Net Interest Margin 5.25% Return on Assets 0.66% Return on Equity 9.27% Interest Income $3.84 million Non-Interest Income $1.30 million

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 Highmark Credit Union had $1.37 million in non-current loans and owned real-estate with $6.35 million in equity and loan loss allowances on hand to cover it. This gives Highmark Credit Union a Texas Ratio of 21.55% 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 Highmark Credit Union held steady from 17.05% as of December 31, 2010 to 21.55% as of December 31, 2011, resulting in a negative change of 26.38%. This indicates that the balance sheet and financial strength for Highmark Credit Union has held steady in recent periods. Deposit Growth In the past year, Highmark Credit Union has increased its total deposits by $5.52 million, resulting in 8.12% 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 Highmark Credit Union has shown is excellent. 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. Highmark Credit Union has $82.21 million in assets with $6.35 million in equity, resulting in a capitalization level of 7.72%, which is below average.

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