Membersource Credit Union

Membersource Credit Union is headquartered in Houston and is the 77^th largest credit union in the state of Texas. It is also the 929^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 65 employees and 17,954 members. Membersource Credit Union has a 5-star health rating.

Membersource Credit Union Routing Number: 313084904

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Data for Q4 2011

Institution Statistics MEMBERSOURCE NCUA # 68440 BankRate Report View Year Chartered 1958 Employees 65 Primary Regulator Assets and Liabilities Assets $178.75 million Loans $89.57 million Deposits $164.03 million Equity Capital $13.81 million Loan Loss Allowance $1.60 million Unbacked Noncurrent Loans $568,000 Historic Data - December 2010 Assets $168.88 million Equity Capital $12.71 million Loan Loss Allowance $2.29 million Unbacked Noncurrent Loans $756,000 Profit Margin - Quarterly Net Interest Margin 6.76% Return on Assets 0.56% Return on Equity 7.3% Interest Income $7.24 million Non-Interest Income $2.96 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 Membersource Credit Union had $568,000 in non-current loans and owned real-estate with $15.41 million in equity and loan loss allowances on hand to cover it. This gives Membersource Credit Union a Texas Ratio of 3.69% 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 Membersource Credit Union decreased slightly from 5.04% as of December 31, 2010 to 3.69% as of December 31, 2011, resulting in a positive change of 26.90%.This indicates that the balance sheet and financial strength for Membersource Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Membersource Credit Union has increased its total deposits by $8.71 million, resulting in 5.61% 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 Membersource 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. Membersource Credit Union has $178.75 million in assets with $15.41 million in equity, resulting in a capitalization level of 8.62%, which is average.

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