Missoula Credit Union

Missoula Credit Union is headquartered in Missoula and is the 2^nd largest credit union in the state of Montana. It is also the 551^st largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 136 employees and 43,510 members. Missoula Credit Union has a 4-star health rating.

Missoula Credit Union Checking Account Rates

Missoula Credit Union Savings Account Rates

Missoula Credit Union Money Market Rates

Missoula Credit Union CD Rates

Missoula Credit Union IRA Rates

Data for Q4 2011

Institution Statistics MISSOULA NCUA # 11300 BankRate Report View Year Chartered 1956 Employees 136 Primary Regulator Assets and Liabilities Assets $350.12 million Loans $158.20 million Deposits $287.51 million Equity Capital $33.85 million Loan Loss Allowance $4.67 million Unbacked Noncurrent Loans $7.49 million Real Estate Owned $3.03 million Historic Data - December 2010 Assets $339.56 million Equity Capital $35.03 million Loan Loss Allowance $2.89 million Unbacked Noncurrent Loans $15.24 million Profit Margin - Quarterly Net Interest Margin 5.62% Return on Assets -0.07% Return on Equity -0.77% Interest Income $13.90 million Non-Interest Income $6.88 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 December 31, 2011 Missoula Credit Union had $10.51 million in non-current loans and owned real-estate with $38.52 million in equity and loan loss allowances on hand to cover it. This gives Missoula Credit Union a Texas Ratio of 27.29% 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 Missoula Credit Union decreased slightly from 40.20% as of December 31, 2010 to 27.29% as of December 31, 2011, resulting in a positive change of 32.10%.This indicates that the balance sheet and financial strength for Missoula Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Missoula Credit Union has increased its total deposits by $11.27 million, resulting in 4.08% 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 Missoula Credit Union has shown is above 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. Missoula Credit Union has $350.12 million in assets with $38.52 million in equity, resulting in a capitalization level of 11.00%, which is above average.

No reviews have been left for this bank yet. Be the first to review.