Mid-Minnesota Federal Credit Union

Mid-Minnesota Federal Credit Union is headquartered in Baxter and is the 17^st largest credit union in the state of Minnesota. It is also the 778^th largest credit union in the nation. It was established in 1970 and as of December of 2012, it had grown to 98 employees and 37,049 members. Mid-Minnesota Federal Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics MID MINNESOTA NCUA # 20194 BankRate Report View Year Chartered 1970 Employees 98 Primary Regulator Assets and Liabilities Assets $244.46 million Loans $181.51 million Deposits $213.89 million Equity Capital $25.51 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $2.72 million Real Estate Owned $1.07 million Historic Data - December 2011 Assets $221.43 million Equity Capital $22.01 million Loan Loss Allowance $2.57 million Unbacked Noncurrent Loans $4.93 million Real Estate Owned $349,000 Profit Margin - Quarterly Net Interest Margin 5.67% Return on Assets 1.41% Return on Equity 13.53% Interest Income $10.99 million Non-Interest Income $5.72 million

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, 2012 Mid-Minnesota Federal Credit Union had $3.79 million in non-current loans and owned real-estate with $27.31 million in equity and loan loss allowances on hand to cover it. This gives Mid-Minnesota Federal Credit Union a Texas Ratio of 13.89% 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-Minnesota Federal Credit Union decreased slightly from 21.50% as of December 31, 2011 to 13.89% as of December 31, 2012, resulting in a positive change of 35.41%.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 increased its total deposits by $17.87 million, resulting in 9.12% 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 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-Minnesota Federal Credit Union has $244.46 million in assets with $27.31 million in equity, resulting in a capitalization level of 11.17%, which is above average.

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