Members1st Community Credit Union

Members1st Community Credit Union is headquartered in Marshalltown and is the 13^st largest credit union in the state of Iowa. It is also the 1,124^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 38 employees and 19,367 members. Members1st Community Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics MEMBERS1ST COMMUNITY NCUA # 62918 BankRate Report View Year Chartered 1964 Employees 38 Primary Regulator Assets and Liabilities Assets $139.85 million Loans $64.76 million Deposits $126.15 million Equity Capital $13.44 million Loan Loss Allowance $407,000 Unbacked Noncurrent Loans $595,000 Real Estate Owned $1.65 million Historic Data - December 2010 Assets $139.49 million Equity Capital $13.37 million Loan Loss Allowance $500,000 Unbacked Noncurrent Loans $1.28 million Real Estate Owned $793,000 Profit Margin - Quarterly Net Interest Margin 5.47% Return on Assets 0.05% Return on Equity 0.53% Interest Income $4.36 million Non-Interest Income $835,000

Institution Health Overall Score: 3 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 Members1st Community Credit Union had $2.25 million in non-current loans and owned real-estate with $13.85 million in equity and loan loss allowances on hand to cover it. This gives Members1st Community Credit Union a Texas Ratio of 16.23% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Members1st Community Credit Union held steady from 14.92% as of December 31, 2010 to 16.23% as of December 31, 2011, resulting in a negative change of 8.76%. This indicates that the balance sheet and financial strength for Members1st Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Members1st Community Credit Union has increased its total deposits by $346,000, resulting in 0.28% 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 Members1st Community 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. Members1st Community Credit Union has $139.84 million in assets with $13.85 million in equity, resulting in a capitalization level of 9.90%, which is average.

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