Mid-Minnesota Federal Credit Union

Mid-Minnesota Federal Credit Union is headquartered in Baxter and is the 16^st largest credit union in the state of Minnesota. It is also the 797^th largest credit union in the nation. It was established in 1970 and as of September of 2011, it had grown to 92 employees and 34,969 members. Mid-Minnesota Federal Credit Union has a 4-star health rating.

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Data for Q3 2011

Institution Statistics MID MINNESOTA NCUA # 20194 BankRate Report View Year Established 1970 Employees 92 Primary Regulator Assets and Liabilities Assets $223.42 million Loans $191.04 million Deposits $197.79 million Equity Capital $21.48 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $4.57 million Real Estate Owned $507,000 Historic Data - September 2010 Assets $220.53 million Equity Capital $19.02 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $6.29 million Real Estate Owned $818,000 Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 0.85% Return on Equity 8.85% Interest Income $8.98 million Non-Interest Income $3.14 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-Minnesota Federal Credit Union had $5.08 million in non-current loans and owned real-estate with $23.66 million in equity and loan loss allowances on hand to cover it. This gives Mid-Minnesota Federal Credit Union a Texas Ratio of 21.45% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mid-Minnesota Federal Credit Union decreased slightly from 33.58% as of September 30, 2010 to 21.45% as of September 30, 2011, resulting in a positive change of 36.11%.This indicates that the balance sheet and financial strength for Mid-Minnesota Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Mid-Minnesota Federal Credit Union has decreased its total deposits by -$1.92 million, resulting in -0.96% 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-Minnesota Federal Credit Union has shown is average. 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-Minnesota Federal Credit Union has $223.42 million in assets with $23.66 million in equity, resulting in a capitalization level of 10.59%, which is above average.

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