Members Choice Credit Union (IN)

Members Choice Credit Union (IN) is headquartered in BLOOMINGTON and is the 103^rd largest credit union in the state of Indiana. It is also the 3,993^rd largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 10 employees and 3,231 members. Members Choice Credit Union (IN)'s savings rates are 44% higher than the national average, and it has a 4-star health rating.

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Members Choice Credit Union (IN) Savings Account Rates

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Data for Q4 2011

Institution Statistics MEMBERS CHOICE NCUA # 12680 BankRate Report View Year Chartered 1958 Employees 10 Primary Regulator Assets and Liabilities Assets $14.90 million Loans $8.67 million Deposits $13.74 million Equity Capital $1.12 million Loan Loss Allowance $152,000 Unbacked Noncurrent Loans $159,000 Historic Data - December 2010 Assets $15.03 million Equity Capital $1.13 million Loan Loss Allowance $222,000 Unbacked Noncurrent Loans $241,000 Profit Margin - Quarterly Net Interest Margin 6.8% Return on Assets -0.13% Return on Equity -1.78% Interest Income $672,000 Non-Interest Income $199,000

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 Choice Credit Union (IN) had $159,000 in non-current loans and owned real-estate with $1.27 million in equity and loan loss allowances on hand to cover it. This gives Members Choice Credit Union (IN) a Texas Ratio of 12.48% 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 Choice Credit Union (IN) decreased slightly from 17.79% as of December 31, 2010 to 12.48% as of December 31, 2011, resulting in a positive change of 29.83%.This indicates that the balance sheet and financial strength for Members Choice Credit Union (IN) has improved slightly in recent periods. Deposit Growth In the past year, Members Choice Credit Union (IN) has decreased its total deposits by $-100,000, resulting in -0.72% 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 Choice Credit Union (IN) has shown is 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. Members Choice Credit Union (IN) has $14.9 million in assets with $1.27 million in equity, resulting in a capitalization level of 8.55%, which is average.

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