Metro Health Services Credit Union

Metro Health Services Credit Union Locations
P.O. Box 390696
Omaha, NE 68139
800-301-8549
www.metrofcu.org

Metro Health Services Credit Union is headquartered in Omaha and is the 4th largest credit union in the state of Nebraska. It is also the 894th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 99 employees and 25,482 members. Metro Health Services Credit Union's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.



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Metro Health Services Credit Union Checking Account Rates

ApyMinMaxProduct
0.22%$2,500-Premier Checking
0.20%$500-Executive Checking
0.15%--Classic Checking

Metro Health Services Credit Union Savings Account Rates

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0.50%$100-IRA Savings
0.20%--Share Savings

Metro Health Services Credit Union Money Market Rates

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0.50%$50k-High Yield Money Market Account
0.40%$50k-Money Market Account

Metro Health Services Credit Union CD Rates

ApyMinMaxProduct
2.10%$500-60 Month Relationship CD
2.10%$500-60 Month Standard CD
1.90%$500-48 Month Relationship CD
1.90%$500-48 Month Standard CD
1.50%$500-36 Month Relationship CD
1.50%$500-36 Month Standard CD
1.20%$500-24 Month Relationship CD
1.20%$500-24 Month Standard CD
0.75%$500-12 Month Relationship CD
0.75%$500-12 Month Standard CD
0.60%$500-6 Month Relationship CD
0.60%$500-6 Month Standard CD
0.30%$500-3 Month Relationship CD
0.30%$500-3 Month Standard CD

Rates updated: 5/27/2012

Data for Q4 2011


Institution Statistics


METRO HEALTH SERVICES
NCUA #7091
BankRate ReportView
Year Chartered1951
Employees99
Primary Regulator

Assets and Liabilities

Assets$189.66 million
Loans$131.12 million
Deposits$163.32 million
Equity Capital$20.97 million
Loan Loss Allowance$2.29 million
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$30,000

Historic Data - December 2010

Assets$176.11 million
Equity Capital$19.12 million
Loan Loss Allowance$2.27 million
Unbacked Noncurrent Loans$940,000
Real Estate Owned$628,000

Profit Margin - Quarterly

Net Interest Margin5.37%
Return on Assets0.97%
Return on Equity8.8%
Interest Income$8.35 million
Non-Interest Income$7.08 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Metro Health Services Credit Union had $1.3 million in non-current loans and owned real-estate with $23.26 million in equity and loan loss allowances on hand to cover it. This gives Metro Health Services Credit Union a Texas Ratio of 5.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Metro Health Services Credit Union decreased slightly from 7.33% as of December 31, 2010 to 5.60% as of December 31, 2011, resulting in a positive change of 23.57%.This indicates that the balance sheet and financial strength for Metro Health Services Credit Union has improved slightly in recent periods.
Deposit Growth5
In the past year, Metro Health Services Credit Union has increased its total deposits by $11.28 million, resulting in 7.42% 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 Metro Health Services Credit Union has shown is excellent.
Capitalization5
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. Metro Health Services Credit Union has $189.66 million in assets with $23.26 million in equity, resulting in a capitalization level of 12.27%, which is excellent.
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