Members CU (NC)

P.O. Box 5297
Winston Salem, NC 27104
www.memcu.com

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Members CU (NC) is headquartered in WINSTON SALEM and is the 12^st largest credit union in the state of North Carolina. It is also the 789^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 94 employees and 49,869 members. Members CU (NC)'s savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

2.01% Reward Checking Account at a Texas Credit Union (Members) - 5/19/2008

Update 11/08/09: The top rate has fallen to 2.01% APY.Members CU has a reward checking account called RealInterest Checking that pays 2.01% APY on balances up to $25,000 (1.25% over) if the following monthly requirements are met:10 check card...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Members CU (NC) Checking Account Rates

Apy	Min	Max	Product
0.10%	$25	-	Regular Checking Account
0.10%	-	-	Student Checking Account

Members CU (NC) Savings Account Rates

Apy	Min	Max	Product
0.70%	$25	-	Roth IRA Shares
0.70%	$25	-	IRA Shares
0.70%	$25	-	CESA Shares
0.65%	$600	-	Super 60 Savings Account
0.35%	$25	-	Regular Share Account
0.35%	$25	-	Trust Accounts
0.35%	$25	-	Custodian Accounts
0.10%	$25	-	Christmas Club
0.10%	$25	-	Vacation Club

Members CU (NC) Money Market Rates

	Apy	Min	Max	Product
	0.40%	$500	-	Money Market Account

Members CU (NC) CD Rates

Apy	Min	Max	Product
1.66%	$2k	-	60 Month CD
1.36%	$2k	-	36 Month CD
1.06%	$2k	-	24 Month CD
0.90%	$2k	-	18 Month CD
0.75%	$2k	-	12 Month CD
0.75%	$50k	-	6 Month Jumbo CD
0.55%	$2k	-	6 Month CD
0.50%	$500	-	5 Month CD

Members CU (NC) IRA Rates

Apy	Min	Max	Product
1.66%	$2k	-	60 Month IRA
1.66%	$2k	-	60 Month Roth IRA
1.66%	$2k	-	60 Month CESA
1.36%	$2k	-	36 Month IRA
1.36%	$2k	-	36 Month Roth IRA
1.36%	$2k	-	36 Month CESA
1.06%	$2k	-	24 Month IRA
1.06%	$2k	-	24 Month Roth IRA
1.06%	$2k	-	24 Month CESA
0.75%	$2k	-	12 Month IRA
0.75%	$2k	-	12 Month Roth IRA
0.75%	$2k	-	12 Month CESA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MEMBERS
NCUA #	60002
BankRate Report	View
Year Chartered	1953
Employees	94
Primary Regulator
Assets and Liabilities
Assets	$228.88 million
Loans	$90.38 million
Deposits	$202.66 million
Equity Capital	$24.33 million
Loan Loss Allowance	$418,000
Unbacked Noncurrent Loans	$538,000
Real Estate Owned	$22,000
Historic Data - December 2010
Assets	$233.32 million
Equity Capital	$22.70 million
Loan Loss Allowance	$536,000
Unbacked Noncurrent Loans	$882,000
Real Estate Owned	$90,000
Profit Margin - Quarterly
Net Interest Margin	6.79%
Return on Assets	0.25%
Return on Equity	2.39%
Interest Income	$10.58 million
Non-Interest Income	$4.49 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 CU (NC) had $560,000 in non-current loans and owned real-estate with $24.75 million in equity and loan loss allowances on hand to cover it. This gives Members CU (NC) a Texas Ratio of 2.26% 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 Members CU (NC) decreased significantly from 4.18% as of December 31, 2010 to 2.26% as of December 31, 2011, resulting in a positive change of 45.92%.This indicates that the balance sheet and financial strength for Members CU (NC) has improved significantly in recent periods.
Deposit Growth
In the past year, Members CU (NC) has decreased its total deposits by -$6.74 million, resulting in -3.22% 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 CU (NC) has shown is below 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 CU (NC) has $228.88 million in assets with $24.75 million in equity, resulting in a capitalization level of 10.81%, which is above average.