M E A Credit Union

M E A Credit Union is headquartered in COLUMBUS and is the 33^rd largest credit union in the state of Georgia. It is also the 1,948^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 24 employees and 8,189 members. M E A Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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M E A Credit Union Savings Account Rates

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M E A Credit Union IRA Rates

Data for Q4 2011

Institution Statistics M E A NCUA # 14034 BankRate Report View Year Chartered 1960 Employees 24 Primary Regulator Assets and Liabilities Assets $62.60 million Loans $32.74 million Deposits $53.29 million Equity Capital $9.18 million Loan Loss Allowance $411,000 Unbacked Noncurrent Loans $511,000 Real Estate Owned $50,000 Historic Data - December 2010 Assets $50.91 million Equity Capital $8.71 million Loan Loss Allowance $230,000 Unbacked Noncurrent Loans $1.57 million Real Estate Owned $296,000 Profit Margin - Quarterly Net Interest Margin 7.68% Return on Assets 0.03% Return on Equity 0.19% Interest Income $3.00 million Non-Interest Income $571,000

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 E A Credit Union had $561,000 in non-current loans and owned real-estate with $9.59 million in equity and loan loss allowances on hand to cover it. This gives M E A Credit Union a Texas Ratio of 5.85% 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 E A Credit Union decreased significantly from 20.87% as of December 31, 2010 to 5.85% as of December 31, 2011, resulting in a positive change of 71.98%.This indicates that the balance sheet and financial strength for M E A Credit Union has improved significantly in recent periods. Deposit Growth In the past year, M E A Credit Union has increased its total deposits by $11.19 million, resulting in 26.57% 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 E A 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. M E A Credit Union has $62.6 million in assets with $9.59 million in equity, resulting in a capitalization level of 15.32%, which is excellent.

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