M M Employees Credit Union

M M Employees Credit Union is headquartered in Missoula and is the 56^th largest credit union in the state of Montana. It is also the 6,706^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 1 employees and 471 members. M M Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics M M EMPLOYEES NCUA # 2211 BankRate Report View Year Chartered 1937 Employees 1 Primary Regulator Assets and Liabilities Assets $992,000 Loans $753,000 Deposits $878,000 Equity Capital $110,000 Loan Loss Allowance $2,000 Historic Data - December 2010 Assets $928,000 Equity Capital $108,000 Loan Loss Allowance $2,000 Profit Margin - Quarterly Net Interest Margin 6.7% Return on Assets 0.2% Return on Equity 1.82% Interest Income $52,000

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 M Employees Credit Union had $0 in non-current loans and owned real-estate with $112,000 in equity and loan loss allowances on hand to cover it. This gives M M Employees Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, M M Employees Credit Union has increased its total deposits by $62,000, resulting in 7.6% 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 M Employees 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 M Employees Credit Union has $992,000 in assets with $112,000 in equity, resulting in a capitalization level of 11.29%, which is above average.

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