Member Preferred Credit Union

Member Preferred Credit Union is headquartered in Fort Worth and is the 451^st largest credit union in the state of Texas. It is also the 5,795^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 3 employees and 810 members. Member Preferred Credit Union's CD rates are 40% higher than the national average, and it has a 3-star health rating.

Member Preferred Credit Union Savings Account Rates

Member Preferred Credit Union CD Rates

Data for Q4 2011

Institution Statistics MEMBER PREFERRED NCUA # 577 BankRate Report View Year Chartered 1935 Employees 3 Primary Regulator Assets and Liabilities Assets $3.88 million Loans $3.66 million Deposits $3.47 million Equity Capital $304,000 Loan Loss Allowance $33,000 Unbacked Noncurrent Loans $59,000 Historic Data - December 2010 Assets $3.09 million Equity Capital $239,000 Loan Loss Allowance $34,000 Unbacked Noncurrent Loans $15,000 Profit Margin - Quarterly Net Interest Margin 7.09% Return on Assets 1.67% Return on Equity 21.38% Interest Income $295,000 Non-Interest Income $118,000

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 Member Preferred Credit Union had $59,000 in non-current loans and owned real-estate with $337,000 in equity and loan loss allowances on hand to cover it. This gives Member Preferred Credit Union a Texas Ratio of 17.51% 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 Member Preferred Credit Union increased slightly from 5.49% as of December 31, 2010 to 17.51% as of December 31, 2011, resulting in a negative change of 218.64%. This indicates that the balance sheet and financial strength for Member Preferred Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Member Preferred Credit Union has increased its total deposits by $664,000, resulting in 23.64% 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 Member Preferred 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. Member Preferred Credit Union has $3.88 million in assets with $337,000 in equity, resulting in a capitalization level of 8.68%, which is average.

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