Members Cooperative Credit Union

Members Cooperative Credit Union is headquartered in CLOQUET and is the 12^st largest credit union in the state of Minnesota. It is also the 601^st largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 102 employees and 27,572 members. Members Cooperative Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Members Cooperative Credit Union Routing Number: 291973454

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Data for Q4 2011

Institution Statistics MEMBERS COOPERATIVE NCUA # 60216 BankRate Report View Year Chartered 1936 Employees 102 Primary Regulator Assets and Liabilities Assets $326.39 million Loans $271.07 million Deposits $280.97 million Equity Capital $37.90 million Loan Loss Allowance $4.52 million Unbacked Noncurrent Loans $4.50 million Real Estate Owned $1.44 million Historic Data - December 2010 Assets $298.22 million Equity Capital $35.16 million Loan Loss Allowance $3.23 million Unbacked Noncurrent Loans $3.15 million Real Estate Owned $1.87 million Profit Margin - Quarterly Net Interest Margin 5.92% Return on Assets 0.84% Return on Equity 7.23% Interest Income $18.41 million Non-Interest Income $3.78 million

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 Members Cooperative Credit Union had $5.93 million in non-current loans and owned real-estate with $42.41 million in equity and loan loss allowances on hand to cover it. This gives Members Cooperative Credit Union a Texas Ratio of 13.99% 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 Cooperative Credit Union held steady from 13.06% as of December 31, 2010 to 13.99% as of December 31, 2011, resulting in a negative change of 7.10%. This indicates that the balance sheet and financial strength for Members Cooperative Credit Union has held steady in recent periods. Deposit Growth In the past year, Members Cooperative Credit Union has increased its total deposits by $24.62 million, resulting in 9.6% 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 Cooperative 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 Cooperative Credit Union has $326.39 million in assets with $42.41 million in equity, resulting in a capitalization level of 12.99%, which is excellent.

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