Moapa Valley Credit Union

Moapa Valley Credit Union is headquartered in OVERTON and is the 13^st largest credit union in the state of Nevada. It is also the 1,916^st largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 18 employees and 6,808 members. Moapa Valley Credit Union has a 1-star health rating.

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Data for Q4 2011

Institution Statistics MOAPA VALLEY NCUA # 12585 BankRate Report View Year Chartered 1958 Employees 18 Primary Regulator Assets and Liabilities Assets $64.41 million Loans $47.50 million Deposits $60.54 million Equity Capital $3.19 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $6.67 million Real Estate Owned $1.41 million Historic Data - December 2010 Assets $74.47 million Equity Capital $7.86 million Loan Loss Allowance $693,000 Unbacked Noncurrent Loans $2.83 million Real Estate Owned $2.13 million Profit Margin - Quarterly Net Interest Margin 5.45% Return on Assets -4.99% Return on Equity -100.69% Interest Income $3.00 million Non-Interest Income ($393,000)

Institution Health Overall Score: 1 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 Moapa Valley Credit Union had $8.08 million in non-current loans and owned real-estate with $6.34 million in equity and loan loss allowances on hand to cover it. This gives Moapa Valley Credit Union a Texas Ratio of 127.58% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Moapa Valley Credit Union increased slightly from 57.97% as of December 31, 2010 to 127.58% as of December 31, 2011, resulting in a negative change of 120.07%. This indicates that the balance sheet and financial strength for Moapa Valley Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Moapa Valley Credit Union has decreased its total deposits by -$5.56 million, resulting in -8.4% 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 Moapa Valley Credit Union has shown is poor. 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. Moapa Valley Credit Union has $64.41 million in assets with $6.34 million in equity, resulting in a capitalization level of 9.84%, which is average.

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