Marshall Community Credit Union

Marshall Community Credit Union is headquartered in Marshall and is the 59^th largest credit union in the state of Michigan. It is also the 1,072^nd largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 36 employees and 9,505 members. Marshall Community Credit Union has a 4-star health rating.

Marshall Community Credit Union Routing Number: 272482715

Marshall Community Credit Union Savings Account Rates

Marshall Community Credit Union CD Rates

Marshall Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics MARSHALL COMMUNITY NCUA # 62160 BankRate Report View Year Chartered 1951 Employees 36 Primary Regulator Assets and Liabilities Assets $147.94 million Loans $93.86 million Deposits $127.78 million Equity Capital $19.74 million Loan Loss Allowance $959,000 Unbacked Noncurrent Loans $1.66 million Real Estate Owned $780,000 Historic Data - December 2010 Assets $146.10 million Equity Capital $17.50 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $2.38 million Real Estate Owned $222,000 Profit Margin - Quarterly Net Interest Margin 5.08% Return on Assets 1.5% Return on Equity 11.22% Interest Income $5.71 million Non-Interest Income $1.80 million

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 Marshall Community Credit Union had $2.44 million in non-current loans and owned real-estate with $20.7 million in equity and loan loss allowances on hand to cover it. This gives Marshall Community Credit Union a Texas Ratio of 11.77% 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 Marshall Community Credit Union held steady from 13.49% as of December 31, 2010 to 11.77% as of December 31, 2011, resulting in a positive change of 12.77%.This indicates that the balance sheet and financial strength for Marshall Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Marshall Community Credit Union has decreased its total deposits by $-481,000, resulting in -0.38% 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 Marshall Community Credit Union has shown is 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. Marshall Community Credit Union has $147.94 million in assets with $20.7 million in equity, resulting in a capitalization level of 13.99%, which is excellent.

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