Minnesota Valley Credit Union

Minnesota Valley Credit Union is headquartered in Mankato and is the 39^th largest credit union in the state of Minnesota. It is also the 1,692^nd largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 23 employees and 10,135 members. Minnesota Valley Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics MINNESOTA VALLEY NCUA # 19440 BankRate Report View Year Chartered 1934 Employees 23 Primary Regulator Assets and Liabilities Assets $77.65 million Loans $49.39 million Deposits $70.57 million Equity Capital $6.58 million Loan Loss Allowance $274,000 Unbacked Noncurrent Loans $553,000 Historic Data - December 2010 Assets $72.62 million Equity Capital $5.90 million Loan Loss Allowance $311,000 Unbacked Noncurrent Loans $566,000 Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.88% Return on Equity 10.38% Interest Income $3.08 million Non-Interest Income $767,000

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 Minnesota Valley Credit Union had $553,000 in non-current loans and owned real-estate with $6.85 million in equity and loan loss allowances on hand to cover it. This gives Minnesota Valley Credit Union a Texas Ratio of 8.07% 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 Minnesota Valley Credit Union held steady from 9.12% as of December 31, 2010 to 8.07% as of December 31, 2011, resulting in a positive change of 11.52%.This indicates that the balance sheet and financial strength for Minnesota Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, Minnesota Valley Credit Union has increased its total deposits by $4.14 million, resulting in 6.23% 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 Minnesota Valley 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. Minnesota Valley Credit Union has $77.65 million in assets with $6.85 million in equity, resulting in a capitalization level of 8.83%, which is average.

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