Mountain Heritage Credit Union

Mountain Heritage Credit Union is headquartered in Parkersburg and is the 25^th largest credit union in the state of West Virginia. It is also the 3,057^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 11 employees and 5,059 members. Mountain Heritage Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics MOUNTAIN HERITAGE NCUA # 12470 BankRate Report View Year Chartered 1958 Employees 11 Primary Regulator Assets and Liabilities Assets $27.69 million Loans $13.83 million Deposits $25.48 million Equity Capital $2.11 million Loan Loss Allowance $287,000 Unbacked Noncurrent Loans $439,000 Historic Data - December 2010 Assets $27.72 million Equity Capital $1.98 million Loan Loss Allowance $342,000 Unbacked Noncurrent Loans $566,000 Profit Margin - Quarterly Net Interest Margin 6.55% Return on Assets 0.47% Return on Equity 6.15% Interest Income $1.11 million Non-Interest Income $487,000

Institution Health Overall Score: 3 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 Mountain Heritage Credit Union had $439,000 in non-current loans and owned real-estate with $2.4 million in equity and loan loss allowances on hand to cover it. This gives Mountain Heritage Credit Union a Texas Ratio of 18.29% 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 Mountain Heritage Credit Union decreased slightly from 24.34% as of December 31, 2010 to 18.29% as of December 31, 2011, resulting in a positive change of 24.86%.This indicates that the balance sheet and financial strength for Mountain Heritage Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Mountain Heritage Credit Union has decreased its total deposits by $-226,000, resulting in -0.88% 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 Mountain Heritage Credit Union has shown is 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. Mountain Heritage Credit Union has $27.69 million in assets with $2.4 million in equity, resulting in a capitalization level of 8.67%, which is average.

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