Malheur Credit Union

Malheur Credit Union is headquartered in Ontario and is the 32^nd largest credit union in the state of Oregon. It is also the 1,716^st largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 31 employees and 9,801 members. Malheur Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics MALHEUR NCUA # 11579 BankRate Report View Year Chartered 1957 Employees 31 Primary Regulator Assets and Liabilities Assets $76.12 million Loans $51.40 million Deposits $70.10 million Equity Capital $5.51 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $783,000 Real Estate Owned $390,000 Historic Data - December 2010 Assets $69.92 million Equity Capital $4.88 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $532,000 Profit Margin - Quarterly Net Interest Margin 6.79% Return on Assets 0.83% Return on Equity 11.43% Interest Income $3.84 million Non-Interest Income $706,000

Institution Health Overall Score: 4 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 Malheur Credit Union had $1.17 million in non-current loans and owned real-estate with $6.62 million in equity and loan loss allowances on hand to cover it. This gives Malheur Credit Union a Texas Ratio of 17.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Malheur Credit Union decreased slightly from 28.59% as of December 31, 2010 to 17.73% as of December 31, 2011, resulting in a positive change of 38.00%.This indicates that the balance sheet and financial strength for Malheur Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Malheur Credit Union has increased its total deposits by $5.37 million, resulting in 8.29% 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 Malheur 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. Malheur Credit Union has $76.12 million in assets with $6.62 million in equity, resulting in a capitalization level of 8.69%, which is average.

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