Members United CU (GA)

Po Box 112
Columbus, GA 31902
(706) 987-8000
www.membersunitedcreditunion.org

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Members United CU (GA) is headquartered in COLUMBUS and is the 87^th largest credit union in the state of Georgia. It is also the 4,438^th largest credit union in the nation. It was established in 1981 and as of December of 2011, it had grown to 4 employees and 1,700 members. Members United CU (GA)'s money market rates are 82% higher than the national average, and it has a 4-star health rating.

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

Members United CU (GA) Checking Account Rates

	Apy	Min	Max	Product
	0.50%	-	-	Sunshine Club Checking

Members United CU (GA) Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	Christmas Club Account
0.75%	-	-	Vacation Club Account
0.25%	-	-	Regular Share/Savings Account
0.25%	-	-	IRA Account
0.25%	-	-	Roth IRA Account
0.25%	-	-	Educational IRA Account

Members United CU (GA) Money Market Rates

	Apy	Min	Max	Product
	1.00%	$50k	-	Money Market

Members United CU (GA) CD Rates

Apy	Min	Max	Product
1.05%	$500	-	24 Month CD
1.00%	$500	-	18 Month CD
0.90%	$500	-	15 Month CD
0.80%	$500	-	12 Month CD
0.50%	$500	-	6 Month CD

Members United CU (GA) IRA Rates

Apy	Min	Max	Product
1.05%	$500	-	24 Month IRA
1.00%	$500	-	18 Month IRA
0.90%	$500	-	15 Month IRA
0.80%	$500	-	12 Month IRA
0.50%	$500	-	6 Month IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MEMBERS UNITED
NCUA #	67372
BankRate Report	View
Year Chartered	1981
Employees	4
Primary Regulator
Assets and Liabilities
Assets	$11.17 million
Loans	$5.68 million
Deposits	$8.95 million
Equity Capital	$2.21 million
Loan Loss Allowance	$250,000
Unbacked Noncurrent Loans	$346,000
Historic Data - December 2010
Assets	$12.23 million
Equity Capital	$2.49 million
Loan Loss Allowance	$314,000
Unbacked Noncurrent Loans	$345,000
Profit Margin - Quarterly
Net Interest Margin	10.28%
Return on Assets	-2.46%
Return on Equity	-12.43%
Interest Income	$741,000
Non-Interest Income	$144,000

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 December 31, 2011 Members United CU (GA) had $346,000 in non-current loans and owned real-estate with $2.46 million in equity and loan loss allowances on hand to cover it. This gives Members United CU (GA) a Texas Ratio of 14.05% 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 United CU (GA) held steady from 12.31% as of December 31, 2010 to 14.05% as of December 31, 2011, resulting in a negative change of 14.13%. This indicates that the balance sheet and financial strength for Members United CU (GA) has held steady in recent periods.
Deposit Growth
In the past year, Members United CU (GA) has decreased its total deposits by $-759,000, resulting in -7.82% 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 United CU (GA) has shown is poor.
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 United CU (GA) has $11.17 million in assets with $2.46 million in equity, resulting in a capitalization level of 22.05%, which is excellent.