Mcpherson Co-Op Credit Union

Mcpherson Co-Op Credit Union is headquartered in McPherson and is the 32^nd largest credit union in the state of Kansas. It is also the 2,873^rd largest credit union in the nation. It was established in 1946 and as of December of 2011, it had grown to 8 employees and 2,979 members. Mcpherson Co-Op Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Mcpherson Co-Op Credit Union Routing Number: 301179135

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Data for Q4 2011

Institution Statistics MCPHERSON CO-OP NCUA # 65371 BankRate Report View Year Chartered 1946 Employees 8 Primary Regulator Assets and Liabilities Assets $31.27 million Loans $16.66 million Deposits $28.34 million Equity Capital $2.89 million Loan Loss Allowance $76,000 Unbacked Noncurrent Loans $154,000 Historic Data - December 2010 Assets $27.80 million Equity Capital $2.85 million Loan Loss Allowance $105,000 Unbacked Noncurrent Loans $67,000 Profit Margin - Quarterly Net Interest Margin 4.52% Return on Assets 0.12% Return on Equity 1.28% Interest Income $1.06 million Non-Interest Income $137,000

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 Mcpherson Co-Op Credit Union had $154,000 in non-current loans and owned real-estate with $2.96 million in equity and loan loss allowances on hand to cover it. This gives Mcpherson Co-Op Credit Union a Texas Ratio of 5.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mcpherson Co-Op Credit Union held steady from 2.27% as of December 31, 2010 to 5.20% as of December 31, 2011, resulting in a negative change of 129.23%. This indicates that the balance sheet and financial strength for Mcpherson Co-Op Credit Union has held steady in recent periods. Deposit Growth In the past year, Mcpherson Co-Op Credit Union has increased its total deposits by $3.44 million, resulting in 13.83% 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 Mcpherson Co-Op 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. Mcpherson Co-Op Credit Union has $31.27 million in assets with $2.96 million in equity, resulting in a capitalization level of 9.48%, which is average.

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