Marion Memorial Hospital Credit Union

Marion Memorial Hospital Credit Union is headquartered in Marion and is the 355^th largest credit union in the state of Illinois. It is also the 7,143^rd largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to employees and 207 members. Marion Memorial Hospital Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics MARION MEMORIAL HOSPITAL NCUA # 64788 BankRate Report View Year Chartered 1958 Employees 0 Primary Regulator Assets and Liabilities Assets $179,000 Loans $47,000 Deposits $142,000 Equity Capital $37,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $4,000 Historic Data - December 2010 Assets $167,000 Equity Capital $40,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $6,000 Profit Margin - Quarterly Net Interest Margin 14.19% Return on Assets -0.56% Return on Equity -2.7% Interest Income $7,000

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 Marion Memorial Hospital Credit Union had $4,000 in non-current loans and owned real-estate with $40,000 in equity and loan loss allowances on hand to cover it. This gives Marion Memorial Hospital Credit Union a Texas Ratio of 10.00% 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 Memorial Hospital Credit Union decreased slightly from 13.04% as of December 31, 2010 to 10.00% as of December 31, 2011, resulting in a positive change of 23.33%.This indicates that the balance sheet and financial strength for Marion Memorial Hospital Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Marion Memorial Hospital Credit Union has increased its total deposits by $15,000, resulting in 11.81% 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 Memorial Hospital 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. Marion Memorial Hospital Credit Union has $179,000 in assets with $40,000 in equity, resulting in a capitalization level of 22.35%, which is excellent.

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