Missouri Credit Union

PO Box 1795
Columbia, MO 652051795
(573) 874-1477
www.missouricu.org

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Missouri Credit Union is headquartered in Columbia and is the 8^th largest credit union in the state of Missouri. It is also the 803^rd largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 90 employees and 31,353 members. Missouri Credit Union has a 5-star health rating.

Missouri Credit Union Routing Number: 281580417

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See Rates for: Checking | Savings | Money Market | CD | IRA

Missouri Credit Union Checking Account Rates

Apy	Min	Max	Product
2.27%	-	$1,250	Ultra Checking
0.10%	$1k	-	Checking Plus
0.10%	$1k	-	Second Checking Accounts

Missouri Credit Union Savings Account Rates

Apy	Min	Max	Product
1.08%	$50k	-	IRA Investment Savings
0.10%	$250	-	Savings Plan

Missouri Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Money Market Account

Missouri Credit Union CD Rates

Apy	Min	Max	Product
1.05%	$500	-	60 Month CD
1.05%	$20	-	60 Month Payroll Deposit CD
0.75%	$500	-	48 Month CD
0.75%	$20	-	48 Month Payroll Deposit CD
0.55%	$500	-	36 Month CD
0.55%	$20	-	36 Month Payroll Deposit CD
0.30%	$500	-	24 Month CD
0.30%	$20	-	24 Month Payroll Deposit CD
0.25%	$500	-	18 Month CD
0.25%	$20	-	18 Month Payroll Deposit CD
0.20%	$500	-	12 Month CD
0.15%	$500	-	6 Month CD
0.10%	$500	-	3 Month CD

Missouri Credit Union IRA Rates

Apy	Min	Max	Product
1.05%	$500	-	60 Month IRA
1.05%	$500	-	60 Month Roth IRA
1.05%	$500	-	60 Month Educational IRA
0.75%	$500	-	48 Month IRA
0.75%	$500	-	48 Month Roth IRA
0.75%	$500	-	48 Month Educational IRA
0.55%	$500	-	36 Month IRA
0.55%	$500	-	36 Month Roth IRA
0.55%	$500	-	36 Month Educational IRA
0.30%	$500	-	24 Month IRA
0.30%	$500	-	24 Month Roth IRA
0.30%	$500	-	24 Month Educational IRA
0.25%	$500	-	18 Month IRA
0.25%	$500	-	18 Month Roth IRA
0.25%	$500	-	18 Month Educational IRA
0.20%	$500	-	12 Month IRA
0.20%	$500	-	12 Month Roth IRA
0.20%	$500	-	12 Month Educational IRA
0.15%	$500	-	6 Month IRA
0.15%	$500	-	6 Month Roth IRA
0.15%	$500	-	6 Month Educational IRA
0.10%	$500	-	3 Month IRA
0.10%	$500	-	3 Month Roth IRA
0.10%	$500	-	3 Month Educational IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MISSOURI
NCUA #	65656
BankRate Report	View
Year Chartered	1969
Employees	90
Primary Regulator
Assets and Liabilities
Assets	$223.22 million
Loans	$154.52 million
Deposits	$193.22 million
Equity Capital	$21.62 million
Loan Loss Allowance	$1.06 million
Unbacked Noncurrent Loans	$403,000
Real Estate Owned	$3,000
Historic Data - December 2010
Assets	$205.16 million
Equity Capital	$20.67 million
Loan Loss Allowance	$1.06 million
Unbacked Noncurrent Loans	$317,000
Real Estate Owned	$190,000
Profit Margin - Quarterly
Net Interest Margin	4.96%
Return on Assets	0.43%
Return on Equity	4.4%
Interest Income	$8.33 million
Non-Interest Income	$5.14 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, 2011 Missouri Credit Union had $406,000 in non-current loans and owned real-estate with $22.68 million in equity and loan loss allowances on hand to cover it. This gives Missouri Credit Union a Texas Ratio of 1.79% 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 Missouri Credit Union decreased slightly from 2.33% as of December 31, 2010 to 1.79% as of December 31, 2011, resulting in a positive change of 23.28%.This indicates that the balance sheet and financial strength for Missouri Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Missouri Credit Union has increased its total deposits by $16.03 million, resulting in 9.04% 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 Missouri 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. Missouri Credit Union has $223.22 million in assets with $22.68 million in equity, resulting in a capitalization level of 10.16%, which is above average.

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