Kansas Blue Cross-Blue Shield Credit Union

Kansas Blue Cross-Blue Shield Credit Union is headquartered in Topeka and is the 34^th largest credit union in the state of Kansas. It is also the 2,999^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 8 employees and 3,198 members. Kansas Blue Cross-Blue Shield Credit Union has a 5-star health rating.

Kansas Blue Cross-Blue Shield Credit Union Checking Account Rates

Kansas Blue Cross-Blue Shield Credit Union Savings Account Rates

Kansas Blue Cross-Blue Shield Credit Union CD Rates

Data for Q4 2011

Institution Statistics KANSAS BLUE CROSS-BLUE SHIELD NCUA # 60295 BankRate Report View Year Chartered 1953 Employees 8 Primary Regulator Assets and Liabilities Assets $28.85 million Loans $17.87 million Deposits $24.41 million Equity Capital $4.39 million Loan Loss Allowance $89,000 Unbacked Noncurrent Loans $46,000 Historic Data - December 2010 Assets $26.01 million Equity Capital $4.15 million Loan Loss Allowance $89,000 Unbacked Noncurrent Loans $119,000 Profit Margin - Quarterly Net Interest Margin 4.63% Return on Assets 0.85% Return on Equity 5.55% Interest Income $1.17 million Non-Interest Income $154,000

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 Kansas Blue Cross-Blue Shield Credit Union had $46,000 in non-current loans and owned real-estate with $4.48 million in equity and loan loss allowances on hand to cover it. This gives Kansas Blue Cross-Blue Shield Credit Union a Texas Ratio of 1.03% 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 Kansas Blue Cross-Blue Shield Credit Union decreased significantly from 2.81% as of December 31, 2010 to 1.03% as of December 31, 2011, resulting in a positive change of 63.42%.This indicates that the balance sheet and financial strength for Kansas Blue Cross-Blue Shield Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Kansas Blue Cross-Blue Shield Credit Union has increased its total deposits by $2.58 million, resulting in 11.79% 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 Kansas Blue Cross-Blue Shield 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. Kansas Blue Cross-Blue Shield Credit Union has $28.84 million in assets with $4.48 million in equity, resulting in a capitalization level of 15.54%, which is excellent.

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