Memberstrust Credit Union

5648 Southern Blvd
Virginia Beach, VA 23462
1(800)704.5180
www.memberstrustcu.org

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Memberstrust Credit Union is headquartered in Virginia Beach and is the 67^th largest credit union in the state of Virginia. It is also the 2,350^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 25 employees and 7,131 members. Memberstrust Credit Union has a 4-star health rating.

Memberstrust Credit Union Routing Number: 251481818

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

Memberstrust Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$100	-	IRA Share Account (Dividends paid Quarterly)
0.10%	$100	-	Basic Share Account (Dividends paid Quarterly)
0.10%	$100	-	Cookie Jar Share Account (Dividends paid Quarterly)
0.10%	$100	-	Holiday Club Account (Dividends paid Quarterly)
0.10%	$100	-	Vacation Club Account (Dividends paid Quarterly)

Memberstrust Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.15%	$2,500	-	Money Market Share Account (Dividends paid Monthly)

Memberstrust Credit Union CD Rates

Apy	Min	Max	Product
1.87%	$25k	-	60 Month Share Certificate (Dividends paid Monthly)
1.86%	$25k	-	60 Month Share Certificate (Dividends paid Quarterly)
0.90%	$25k	-	36 Month Share Certificate (Dividends paid Quarterly)
0.90%	$25k	-	36 Month Share Certificate (Dividends paid Monthly)
0.70%	$25k	-	24 Month Share Certificate (Dividends paid Quarterly)
0.70%	$25k	-	24 Month Share Certificate (Dividends paid Monthly)
0.50%	$25k	-	12 Month Share Certificate (Dividends paid Quarterly)
0.50%	$25k	-	12 Month Share Certificate (Dividends paid Monthly)
0.35%	$25k	-	6 Month Share Certificate (Dividends paid at Maturity)

Memberstrust Credit Union IRA Rates

Apy	Min	Max	Product
1.87%	$25k	-	60 Month IRA Certificate (Dividends paid Monthly)
1.86%	$25k	-	60 Month IRA Certificate (Dividends paid Quarterly)
0.90%	$25k	-	36 Month IRA Certificate (Dividends paid Monthly)
0.90%	$25k	-	36 Month IRA Certificate (Dividends paid Quarterly)
0.70%	$25k	-	24 Month IRA Certificate (Dividends paid Monthly)
0.70%	$25k	-	24 Month IRA Certificate (Dividends paid Quarterly)
0.50%	$25k	-	12 Month IRA Certificate (Dividends paid Monthly)
0.50%	$25k	-	12 Month IRA Certificate (Dividends paid Quarterly)

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MEMBERSTRUST
NCUA #	66586
BankRate Report	View
Year Chartered	1958
Employees	25
Primary Regulator
Assets and Liabilities
Assets	$45.92 million
Loans	$18.69 million
Deposits	$42.19 million
Equity Capital	$3.32 million
Loan Loss Allowance	$190,000
Unbacked Noncurrent Loans	$222,000
Historic Data - December 2010
Assets	$51.48 million
Equity Capital	$4.36 million
Loan Loss Allowance	$274,000
Unbacked Noncurrent Loans	$315,000
Profit Margin - Quarterly
Net Interest Margin	6.57%
Return on Assets	-2.34%
Return on Equity	-32.4%
Interest Income	$1.65 million
Non-Interest Income	$648,000

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 Memberstrust Credit Union had $222,000 in non-current loans and owned real-estate with $3.51 million in equity and loan loss allowances on hand to cover it. This gives Memberstrust Credit Union a Texas Ratio of 6.32% 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 Memberstrust Credit Union held steady from 6.79% as of December 31, 2010 to 6.32% as of December 31, 2011, resulting in a positive change of 6.94%.This indicates that the balance sheet and financial strength for Memberstrust Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Memberstrust Credit Union has decreased its total deposits by -$4.31 million, resulting in -9.27% 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 Memberstrust Credit Union 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. Memberstrust Credit Union has $45.92 million in assets with $3.51 million in equity, resulting in a capitalization level of 7.65%, which is below average.

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