Huron C & N W Credit Union

Huron C & N W Credit Union is headquartered in HURON and is the 38^th largest credit union in the state of South Dakota. It is also the 5,502^nd largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 1 employees and 725 members. Huron C & N W Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics HURON C & N W NCUA # 9907 BankRate Report View Year Chartered 1954 Employees 1 Primary Regulator Assets and Liabilities Assets $5.11 million Loans $4.43 million Deposits $4.62 million Equity Capital $438,000 Loan Loss Allowance $83,000 Unbacked Noncurrent Loans $5,000 Historic Data - December 2010 Assets $4.14 million Equity Capital $396,000 Loan Loss Allowance $78,000 Unbacked Noncurrent Loans $20,000 Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 0.78% Return on Equity 9.13% Interest Income $286,000 Non-Interest Income $4,000

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 Huron C & N W Credit Union had $5,000 in non-current loans and owned real-estate with $521,000 in equity and loan loss allowances on hand to cover it. This gives Huron C & N W Credit Union a Texas Ratio of 0.96% 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 Huron C & N W Credit Union decreased significantly from 4.22% as of December 31, 2010 to 0.96% as of December 31, 2011, resulting in a positive change of 77.26%.This indicates that the balance sheet and financial strength for Huron C & N W Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Huron C & N W Credit Union has increased its total deposits by $925,000, resulting in 25.02% 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 Huron C & N W 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. Huron C & N W Credit Union has $5.11 million in assets with $521,000 in equity, resulting in a capitalization level of 10.20%, which is above average.

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