Members Heritage Credit Union

Members Heritage Credit Union is headquartered in LEXINGTON and is the 6^th largest credit union in the state of Kentucky. It is also the 632^nd largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 82 employees and 50,258 members. Members Heritage Credit Union's savings rates are 25% higher than the national average, and it boasts a 5-star health rating.

Members Heritage Credit Union Savings Account Rates

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Data for Q4 2011

Institution Statistics MEMBERS HERITAGE NCUA # 13638 BankRate Report View Year Chartered 1960 Employees 82 Primary Regulator Assets and Liabilities Assets $300.67 million Loans $167.66 million Deposits $259.79 million Equity Capital $33.03 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $1.44 million Historic Data - December 2010 Assets $295.04 million Equity Capital $29.77 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $1.12 million Real Estate Owned $257,000 Profit Margin - Quarterly Net Interest Margin 6.14% Return on Assets 0.62% Return on Equity 5.6% Interest Income $12.02 million Non-Interest Income $3.45 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 Heritage Credit Union had $1.44 million in non-current loans and owned real-estate with $35.09 million in equity and loan loss allowances on hand to cover it. This gives Members Heritage Credit Union a Texas Ratio of 4.09% 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 Heritage Credit Union held steady from 4.20% as of December 31, 2010 to 4.09% as of December 31, 2011, resulting in a positive change of 2.67%.This indicates that the balance sheet and financial strength for Members Heritage Credit Union has held steady in recent periods. Deposit Growth In the past year, Members Heritage Credit Union has increased its total deposits by $2.28 million, resulting in 0.89% 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 Heritage Credit Union 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 Heritage Credit Union has $300.67 million in assets with $35.09 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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