Mid American Credit Union

Mid American Credit Union is headquartered in Wichita and is the 9^th largest credit union in the state of Kansas. It is also the 968^th largest credit union in the nation. It was established in 1936 and as of September of 2011, it had grown to 58 employees and 24,803 members. Mid American Credit Union's savings rates are 54% higher than the national average, and it has a 4-star health rating.

Mid American Credit Union Routing Number: 301180124

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Data for Q3 2011

Institution Statistics MID AMERICAN NCUA # 65378 BankRate Report View Year Established 1936 Employees 58 Primary Regulator Assets and Liabilities Assets $168.65 million Loans $149.30 million Deposits $138.16 million Equity Capital $15.36 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $860,000 Real Estate Owned $1.17 million Historic Data - September 2010 Assets $155.67 million Equity Capital $12.65 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $1.45 million Real Estate Owned $1.34 million Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 1.63% Return on Equity 17.85% Interest Income $6.59 million Non-Interest Income $2.31 million

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 September 30, 2011 Mid American Credit Union had $2.03 million in non-current loans and owned real-estate with $16.51 million in equity and loan loss allowances on hand to cover it. This gives Mid American Credit Union a Texas Ratio of 12.30% 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 Mid American Credit Union decreased slightly from 19.81% as of September 30, 2010 to 12.30% as of September 30, 2011, resulting in a positive change of 37.90%.This indicates that the balance sheet and financial strength for Mid American Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Mid American Credit Union has increased its total deposits by $10.17 million, resulting in 7.94% 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 Mid American 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. Mid American Credit Union has $168.65 million in assets with $16.51 million in equity, resulting in a capitalization level of 9.79%, which is average.

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