M B F T Credit Union

M B F T Credit Union is headquartered in Thurmont and is the 104^th largest credit union in the state of Maryland. It is also the 6,853^rd largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to employees and 226 members. M B F T Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics M B F T NCUA # 15805 BankRate Report View Year Chartered 1963 Employees 0 Primary Regulator Assets and Liabilities Assets $674,000 Loans $255,000 Deposits $445,000 Equity Capital $227,000 Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $4,000 Historic Data - December 2010 Assets $658,000 Equity Capital $215,000 Loan Loss Allowance $15,000 Unbacked Noncurrent Loans $2,000 Profit Margin - Quarterly Net Interest Margin 9.69% Return on Assets 1.63% Return on Equity 4.85% Interest Income $29,000

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 M B F T Credit Union had $4,000 in non-current loans and owned real-estate with $235,000 in equity and loan loss allowances on hand to cover it. This gives M B F T Credit Union a Texas Ratio of 1.70% 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 M B F T Credit Union held steady from 0.87% as of December 31, 2010 to 1.70% as of December 31, 2011, resulting in a negative change of 95.74%. This indicates that the balance sheet and financial strength for M B F T Credit Union has held steady in recent periods. Deposit Growth In the past year, M B F T Credit Union has increased its total deposits by $4,000, resulting in 0.91% 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 M B F T Credit Union has shown is 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. M B F T Credit Union has $674,000 in assets with $235,000 in equity, resulting in a capitalization level of 34.87%, which is excellent.

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