Members Advantage Community Credit Union

Members Advantage Community Credit Union is headquartered in Barre and is the 7^th largest credit union in the state of Vermont. It is also the 1,788^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 20 employees and 12,131 members. Members Advantage Community Credit Union's savings rates are 15% higher than the national average, and it has a 4-star health rating.

Members Advantage Community Credit Union Savings Account Rates

Members Advantage Community Credit Union Money Market Rates

Members Advantage Community Credit Union CD Rates

Members Advantage Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics MEMBERS ADVANTAGE COMMUNITY NCUA # 62983 BankRate Report View Year Chartered 1953 Employees 20 Primary Regulator Assets and Liabilities Assets $72.08 million Loans $36.74 million Deposits $65.02 million Equity Capital $6.84 million Loan Loss Allowance $196,000 Unbacked Noncurrent Loans $405,000 Real Estate Owned $310,000 Historic Data - December 2010 Assets $66.05 million Equity Capital $6.24 million Loan Loss Allowance $171,000 Unbacked Noncurrent Loans $606,000 Profit Margin - Quarterly Net Interest Margin 6.08% Return on Assets 0.83% Return on Equity 8.71% Interest Income $2.88 million Non-Interest Income $626,000

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 December 31, 2011 Members Advantage Community Credit Union had $715,000 in non-current loans and owned real-estate with $7.04 million in equity and loan loss allowances on hand to cover it. This gives Members Advantage Community Credit Union a Texas Ratio of 10.16% 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 Members Advantage Community Credit Union held steady from 9.45% as of December 31, 2010 to 10.16% as of December 31, 2011, resulting in a negative change of 7.57%. This indicates that the balance sheet and financial strength for Members Advantage Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Members Advantage Community Credit Union has increased its total deposits by $5.39 million, resulting in 9.04% 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 Members Advantage Community 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. Members Advantage Community Credit Union has $72.08 million in assets with $7.04 million in equity, resulting in a capitalization level of 9.76%, which is average.

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