MAC Federal Credit Union

MAC Federal Credit Union is headquartered in Fairbanks and is the 7^th largest credit union in the state of Alaska. It is also the 1,569^th largest credit union in the nation. It was established in 1952 and as of December of 2012, it had grown to 29 employees and 13,448 members. MAC Federal Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics MAC NCUA # 8080 BankRate Report View Year Chartered 1952 Employees 29 Primary Regulator Assets and Liabilities Assets $90.30 million Loans $54.36 million Deposits $76.50 million Equity Capital $11.94 million Loan Loss Allowance $1.56 million Unbacked Noncurrent Loans $656,000 Real Estate Owned $175,000 Historic Data - December 2011 Assets $86.09 million Equity Capital $10.60 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $200,000 Profit Margin - Quarterly Net Interest Margin 9.59% Return on Assets 1.55% Return on Equity 11.73% Interest Income $5.85 million Non-Interest Income $2.05 million

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, 2012 MAC Federal Credit Union had $831,000 in non-current loans and owned real-estate with $13.5 million in equity and loan loss allowances on hand to cover it. This gives MAC Federal Credit Union a Texas Ratio of 6.16% 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 MAC Federal Credit Union decreased significantly from 13.11% as of December 31, 2011 to 6.16% as of December 31, 2012, resulting in a positive change of 53.05%.This indicates that the balance sheet and financial strength for MAC Federal Credit Union has improved significantly in recent periods. Deposit Growth In the past year, MAC Federal Credit Union has increased its total deposits by $2.29 million, resulting in 3.09% 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 MAC Federal 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. MAC Federal Credit Union has $90.3 million in assets with $13.5 million in equity, resulting in a capitalization level of 14.95%, which is excellent.

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