Maumee Valley Credit Union

Maumee Valley Credit Union is headquartered in Toledo and is the 161^st largest credit union in the state of Ohio. It is also the 3,512^st largest credit union in the nation. It was established in 1942 and as of June of 2011, it had grown to 7 employees and 3,751 members. Maumee Valley Credit Union has a 4-star health rating.

Maumee Valley Credit Union Routing Number: 241282205

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Data for Q2 2011

Institution Statistics MAUMEE VALLEY ASI # Member BankRate Report View Year Chartered 1942 Employees 7 Primary Regulator Assets and Liabilities Assets $20.75 million Loans $14.24 million Deposits $17.89 million Equity Capital $2.81 million Loan Loss Allowance $176,000 Unbacked Noncurrent Loans $262,000 Historic Data - June 2010 Assets $22.19 million Equity Capital $2.76 million Loan Loss Allowance $228,000 Unbacked Noncurrent Loans $258,000 Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 0.76% Return on Equity 5.62% Interest Income $527,000 Non-Interest Income $177,000

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 June 30, 2011 Maumee Valley Credit Union had $262,000 in non-current loans and owned real-estate with $2.99 million in equity and loan loss allowances on hand to cover it. This gives Maumee Valley Credit Union a Texas Ratio of 8.77% 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 Maumee Valley Credit Union held steady from 8.65% as of June 30, 2010 to 8.77% as of June 30, 2011, resulting in a negative change of 1.45%. This indicates that the balance sheet and financial strength for Maumee Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, Maumee Valley Credit Union has decreased its total deposits by -$1.5 million, resulting in -7.75% 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 Maumee Valley Credit Union has shown is poor. 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. Maumee Valley Credit Union has $20.75 million in assets with $2.99 million in equity, resulting in a capitalization level of 14.39%, which is excellent.

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