M O Credit Union

M O Credit Union is headquartered in Huron and is the 20^th largest credit union in the state of South Dakota. It is also the 3,437^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 7 employees and 1,979 members. M O Credit Union's savings rates are 25% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics M O NCUA # 7020 BankRate Report View Year Chartered 1950 Employees 7 Primary Regulator Assets and Liabilities Assets $21.63 million Loans $13.24 million Deposits $18.69 million Equity Capital $2.79 million Loan Loss Allowance $27,000 Unbacked Noncurrent Loans $88,000 Historic Data - December 2010 Assets $19.63 million Equity Capital $2.57 million Loan Loss Allowance $31,000 Unbacked Noncurrent Loans $49,000 Profit Margin - Quarterly Net Interest Margin 5.51% Return on Assets 0.99% Return on Equity 7.71% Interest Income $901,000 Non-Interest Income $85,000

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 O Credit Union had $88,000 in non-current loans and owned real-estate with $2.82 million in equity and loan loss allowances on hand to cover it. This gives M O Credit Union a Texas Ratio of 3.13% 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 O Credit Union held steady from 1.88% as of December 31, 2010 to 3.13% as of December 31, 2011, resulting in a negative change of 66.07%. This indicates that the balance sheet and financial strength for M O Credit Union has held steady in recent periods. Deposit Growth In the past year, M O Credit Union has increased its total deposits by $1.79 million, resulting in 10.6% 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 O 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 O Credit Union has $21.63 million in assets with $2.82 million in equity, resulting in a capitalization level of 13.02%, which is excellent.

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