Middle Tennessee Credit Union

Middle Tennessee Credit Union is headquartered in Cookeville and is the 79^th largest credit union in the state of Tennessee. It is also the 3,227^th largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 13 employees and 3,648 members. Middle Tennessee Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics MIDDLE TENNESSEE NCUA # 19700 BankRate Report View Year Chartered 1969 Employees 13 Primary Regulator Assets and Liabilities Assets $24.60 million Loans $17.92 million Deposits $21.85 million Equity Capital $2.66 million Loan Loss Allowance $71,000 Unbacked Noncurrent Loans $285,000 Historic Data - December 2010 Assets $21.53 million Equity Capital $2.62 million Loan Loss Allowance $76,000 Unbacked Noncurrent Loans $3,000 Real Estate Owned $33,000 Profit Margin - Quarterly Net Interest Margin 5.56% Return on Assets 0.14% Return on Equity 1.32% Interest Income $1.16 million Non-Interest Income $313,000

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 Middle Tennessee Credit Union had $285,000 in non-current loans and owned real-estate with $2.73 million in equity and loan loss allowances on hand to cover it. This gives Middle Tennessee Credit Union a Texas Ratio of 10.45% 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 Middle Tennessee Credit Union increased slightly from 1.34% as of December 31, 2010 to 10.45% as of December 31, 2011, resulting in a negative change of 682.66%. This indicates that the balance sheet and financial strength for Middle Tennessee Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Middle Tennessee Credit Union has increased its total deposits by $2.97 million, resulting in 15.72% 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 Middle Tennessee 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. Middle Tennessee Credit Union has $24.6 million in assets with $2.73 million in equity, resulting in a capitalization level of 11.08%, which is above average.

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