Marshland Community Credit Union

Marshland Community Credit Union is headquartered in BRUNSWICK and is the 21^st largest credit union in the state of Georgia. It is also the 1,265^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 46 employees and 16,289 members. Marshland Community Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics MARSHLAND COMMUNITY NCUA # 8323 BankRate Report View Year Chartered 1953 Employees 46 Primary Regulator Assets and Liabilities Assets $118.36 million Loans $80.78 million Deposits $104.88 million Equity Capital $12.34 million Loan Loss Allowance $2.41 million Unbacked Noncurrent Loans $3.93 million Real Estate Owned $664,000 Historic Data - December 2010 Assets $118.74 million Equity Capital $12.18 million Loan Loss Allowance $2.07 million Unbacked Noncurrent Loans $4.10 million Real Estate Owned $592,000 Profit Margin - Quarterly Net Interest Margin 5.7% Return on Assets 0.13% Return on Equity 1.25% Interest Income $5.67 million Non-Interest Income $2.30 million

Institution Health Overall Score: 3 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 Marshland Community Credit Union had $4.6 million in non-current loans and owned real-estate with $14.76 million in equity and loan loss allowances on hand to cover it. This gives Marshland Community Credit Union a Texas Ratio of 31.15% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Marshland Community Credit Union held steady from 32.88% as of December 31, 2010 to 31.15% as of December 31, 2011, resulting in a positive change of 5.26%.This indicates that the balance sheet and financial strength for Marshland Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Marshland Community Credit Union has decreased its total deposits by $-520,000, resulting in -0.49% 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 Marshland 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. Marshland Community Credit Union has $118.36 million in assets with $14.76 million in equity, resulting in a capitalization level of 12.47%, which is excellent.

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