Members Credit Union

Members Credit Union is headquartered in Cleburne and is the 154^th largest credit union in the state of Texas. It is also the 2,040^th largest credit union in the nation. It was established in 1954 and as of September of 2011, it had grown to 19 employees and 7,428 members. Members Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

Members Credit Union Routing Number: 311978290

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Data for Q3 2011

Institution Statistics MEMBERS NCUA # 67649 BankRate Report View Year Established 1954 Employees 19 Primary Regulator Assets and Liabilities Assets $57.92 million Loans $32.84 million Deposits $52.69 million Equity Capital $4.85 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $573,000 Historic Data - September 2010 Assets $51.62 million Equity Capital $3.77 million Loan Loss Allowance $343,000 Unbacked Noncurrent Loans $832,000 Profit Margin - Quarterly Net Interest Margin 4.62% Return on Assets 0.52% Return on Equity 6.18% Interest Income $1.75 million Non-Interest Income $804,000

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 September 30, 2011 Members Credit Union had $573,000 in non-current loans and owned real-estate with $5.21 million in equity and loan loss allowances on hand to cover it. This gives Members Credit Union a Texas Ratio of 11.00% 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 Credit Union decreased significantly from 20.21% as of September 30, 2010 to 11.00% as of September 30, 2011, resulting in a positive change of 45.57%.This indicates that the balance sheet and financial strength for Members Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Members Credit Union has increased its total deposits by $5.14 million, resulting in 10.8% 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 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 Credit Union has $57.92 million in assets with $5.21 million in equity, resulting in a capitalization level of 8.99%, which is average.

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