Mid-Kansas Credit Union

Mid-Kansas Credit Union is headquartered in Moundridge and is the 25^th largest credit union in the state of Kansas. It is also the 2,236^th largest credit union in the nation. It was established in 1972 and as of December of 2011, it had grown to 15 employees and 4,548 members. Mid-Kansas Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Mid-Kansas Credit Union Savings Account Rates

Mid-Kansas Credit Union Money Market Rates

Mid-Kansas Credit Union CD Rates

Data for Q4 2011

Institution Statistics MID-KANSAS NCUA # 60906 BankRate Report View Year Chartered 1972 Employees 15 Primary Regulator Assets and Liabilities Assets $49.94 million Loans $28.87 million Deposits $44.56 million Equity Capital $5.14 million Loan Loss Allowance $179,000 Unbacked Noncurrent Loans $319,000 Historic Data - December 2010 Assets $45.38 million Equity Capital $5.01 million Loan Loss Allowance $152,000 Unbacked Noncurrent Loans $443,000 Real Estate Owned $70,000 Profit Margin - Quarterly Net Interest Margin 4.35% Return on Assets 0.25% Return on Equity 2.47% Interest Income $1.91 million Non-Interest Income $442,000

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 Mid-Kansas Credit Union had $319,000 in non-current loans and owned real-estate with $5.32 million in equity and loan loss allowances on hand to cover it. This gives Mid-Kansas Credit Union a Texas Ratio of 6.00% 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 Mid-Kansas Credit Union decreased slightly from 9.94% as of December 31, 2010 to 6.00% as of December 31, 2011, resulting in a positive change of 39.61%.This indicates that the balance sheet and financial strength for Mid-Kansas Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Mid-Kansas Credit Union has increased its total deposits by $5.78 million, resulting in 14.9% 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-Kansas 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-Kansas Credit Union has $49.94 million in assets with $5.32 million in equity, resulting in a capitalization level of 10.64%, which is above average.

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