Members Exchange Credit Union

Members Exchange Credit Union is headquartered in JACKSON and is the 11^st largest credit union in the state of Mississippi. It is also the 1,811^st largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 33 employees and 15,379 members. Members Exchange Credit Union has a 5-star health rating.

Members Exchange Credit Union Routing Number: 265377484

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Data for Q4 2011

Institution Statistics MEMBERS EXCHANGE NCUA # 60598 BankRate Report View Year Chartered 1954 Employees 33 Primary Regulator Assets and Liabilities Assets $70.18 million Loans $41.92 million Deposits $58.90 million Equity Capital $9.96 million Loan Loss Allowance $864,000 Unbacked Noncurrent Loans $532,000 Historic Data - December 2010 Assets $60.32 million Equity Capital $8.27 million Loan Loss Allowance $808,000 Unbacked Noncurrent Loans $560,000 Real Estate Owned $12,000 Profit Margin - Quarterly Net Interest Margin 10.41% Return on Assets 2.4% Return on Equity 16.93% Interest Income $4.57 million Non-Interest Income $2.60 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 Exchange Credit Union had $532,000 in non-current loans and owned real-estate with $10.82 million in equity and loan loss allowances on hand to cover it. This gives Members Exchange Credit Union a Texas Ratio of 4.92% 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 Exchange Credit Union decreased slightly from 6.30% as of December 31, 2010 to 4.92% as of December 31, 2011, resulting in a positive change of 21.97%.This indicates that the balance sheet and financial strength for Members Exchange Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Members Exchange Credit Union has increased its total deposits by $7.91 million, resulting in 15.51% 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 Exchange 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 Exchange Credit Union has $70.18 million in assets with $10.82 million in equity, resulting in a capitalization level of 15.42%, which is excellent.

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