Medical Community Credit Union

Medical Community Credit Union is headquartered in Wichita and is the 44^th largest credit union in the state of Kansas. It is also the 3,726^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 10 employees and 4,800 members. Medical Community Credit Union has a 3-star health rating.

Medical Community Credit Union Checking Account Rates

Data for Q4 2011

Institution Statistics MEDICAL COMMUNITY NCUA # 63211 BankRate Report View Year Chartered 1963 Employees 10 Primary Regulator Assets and Liabilities Assets $17.96 million Loans $11.85 million Deposits $16.22 million Equity Capital $1.53 million Loan Loss Allowance $421,000 Unbacked Noncurrent Loans $261,000 Real Estate Owned $192,000 Historic Data - December 2010 Assets $20.61 million Equity Capital $1.45 million Loan Loss Allowance $539,000 Unbacked Noncurrent Loans $806,000 Real Estate Owned $30,000 Profit Margin - Quarterly Net Interest Margin 7.96% Return on Assets 0.38% Return on Equity 4.52% Interest Income $1.11 million Non-Interest Income $272,000

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 Medical Community Credit Union had $453,000 in non-current loans and owned real-estate with $1.95 million in equity and loan loss allowances on hand to cover it. This gives Medical Community Credit Union a Texas Ratio of 23.24% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Medical Community Credit Union decreased significantly from 41.99% as of December 31, 2010 to 23.24% as of December 31, 2011, resulting in a positive change of 44.65%.This indicates that the balance sheet and financial strength for Medical Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Medical Community Credit Union has decreased its total deposits by -$2.77 million, resulting in -14.57% 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 Medical Community 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. Medical Community Credit Union has $17.96 million in assets with $1.95 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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