Memberfocus Community

Memberfocus Community is headquartered in DEARBORN and is the 97^th largest credit union in the state of Michigan. It is also the 1,521^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 21 employees and 8,752 members. Memberfocus Community's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Memberfocus Community Checking Account Rates

Memberfocus Community Savings Account Rates

Memberfocus Community CD Rates

Data for Q4 2011

Institution Statistics MEMBERFOCUS COMMUNITY NCUA # 61404 BankRate Report View Year Chartered 1935 Employees 21 Primary Regulator Assets and Liabilities Assets $89.42 million Loans $25.12 million Deposits $78.66 million Equity Capital $10.50 million Loan Loss Allowance $269,000 Unbacked Noncurrent Loans $230,000 Real Estate Owned $26,000 Historic Data - December 2010 Assets $86.59 million Equity Capital $10.41 million Loan Loss Allowance $710,000 Unbacked Noncurrent Loans $605,000 Real Estate Owned $200,000 Profit Margin - Quarterly Net Interest Margin 6.1% Return on Assets 0.49% Return on Equity 4.17% Interest Income $2.81 million Non-Interest Income $795,000

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 Memberfocus Community had $256,000 in non-current loans and owned real-estate with $10.77 million in equity and loan loss allowances on hand to cover it. This gives Memberfocus Community a Texas Ratio of 2.38% 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 Memberfocus Community decreased significantly from 7.24% as of December 31, 2010 to 2.38% as of December 31, 2011, resulting in a positive change of 67.15%.This indicates that the balance sheet and financial strength for Memberfocus Community has improved significantly in recent periods. Deposit Growth In the past year, Memberfocus Community has increased its total deposits by $2.76 million, resulting in 3.63% 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 Memberfocus Community has shown is above 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. Memberfocus Community has $89.42 million in assets with $10.77 million in equity, resulting in a capitalization level of 12.04%, which is excellent.

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