Marion Community Credit Union

Marion Community Credit Union is headquartered in MARION and is the 87^th largest credit union in the state of Ohio. It is also the 2,087^th largest credit union in the nation. It was established in 1960 and as of December of 2012, it had grown to 20 employees and 8,757 members. Marion Community Credit Union has a 4-star health rating.

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Data for Q4 2012

Institution Statistics MARION COMMUNITY NCUA # 61324 BankRate Report View Year Chartered 1960 Employees 20 Primary Regulator Assets and Liabilities Assets $58.69 million Loans $28.82 million Deposits $52.42 million Equity Capital $6.08 million Loan Loss Allowance $382,000 Unbacked Noncurrent Loans $731,000 Real Estate Owned $111,000 Historic Data - December 2011 Assets $58.91 million Equity Capital $5.71 million Loan Loss Allowance $371,000 Unbacked Noncurrent Loans $883,000 Real Estate Owned $108,000 Profit Margin - Quarterly Net Interest Margin 6.17% Return on Assets 0.28% Return on Equity 2.72% Interest Income $2.26 million Non-Interest Income $666,000

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, 2012 Marion Community Credit Union had $842,000 in non-current loans and owned real-estate with $6.46 million in equity and loan loss allowances on hand to cover it. This gives Marion Community Credit Union a Texas Ratio of 13.04% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Marion Community Credit Union decreased slightly from 16.29% as of December 31, 2011 to 13.04% as of December 31, 2012, resulting in a positive change of 19.96%.This indicates that the balance sheet and financial strength for Marion Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Marion Community Credit Union has decreased its total deposits by $-669,000, resulting in -1.26% 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 Marion Community Credit Union has shown is below 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. Marion Community Credit Union has $58.69 million in assets with $6.46 million in equity, resulting in a capitalization level of 11.00%, which is above average.

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