Kimberly Clark Credit Union

Kimberly Clark Credit Union is headquartered in Memphis and is the 31^st largest credit union in the state of Tennessee. It is also the 1,447^th largest credit union in the nation. It was established in 1971 and as of December of 2011, it had grown to 23 employees and 10,775 members. Kimberly Clark Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Kimberly Clark Credit Union Routing Number: 284084813

Kimberly Clark Credit Union Savings Account Rates

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Kimberly Clark Credit Union IRA Rates

Data for Q4 2011

Institution Statistics KIMBERLY CLARK NCUA # 60928 BankRate Report View Year Chartered 1971 Employees 23 Primary Regulator Assets and Liabilities Assets $97.28 million Loans $56.63 million Deposits $76.01 million Equity Capital $19.57 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $355,000 Historic Data - December 2010 Assets $94.41 million Equity Capital $18.57 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $512,000 Real Estate Owned $20,000 Profit Margin - Quarterly Net Interest Margin 5.89% Return on Assets 1.03% Return on Equity 5.14% Interest Income $5.25 million Non-Interest Income $968,000

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 Kimberly Clark Credit Union had $355,000 in non-current loans and owned real-estate with $21.05 million in equity and loan loss allowances on hand to cover it. This gives Kimberly Clark Credit Union a Texas Ratio of 1.69% 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 Kimberly Clark Credit Union decreased slightly from 2.69% as of December 31, 2010 to 1.69% as of December 31, 2011, resulting in a positive change of 37.41%.This indicates that the balance sheet and financial strength for Kimberly Clark Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Kimberly Clark Credit Union has increased its total deposits by $1.11 million, resulting in 1.49% 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 Kimberly Clark 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. Kimberly Clark Credit Union has $97.28 million in assets with $21.05 million in equity, resulting in a capitalization level of 21.64%, which is excellent.

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