Mountain River Credit Union

Mountain River Credit Union is headquartered in SALIDA and is the 59^th largest credit union in the state of Colorado. It is also the 3,486^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 10 employees and 3,674 members. Mountain River Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Mountain River Credit Union Routing Number: 302177440

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Data for Q4 2011

Institution Statistics ST. JOSEPH NCUA # 63704 BankRate Report View Year Chartered 1960 Employees 10 Primary Regulator Assets and Liabilities Assets $20.95 million Loans $11.48 million Deposits $19.21 million Equity Capital $1.73 million Loan Loss Allowance $83,000 Unbacked Noncurrent Loans $86,000 Real Estate Owned $123,000 Historic Data - December 2010 Assets $15.85 million Equity Capital $1.32 million Loan Loss Allowance $56,000 Unbacked Noncurrent Loans $30,000 Real Estate Owned $123,000 Profit Margin - Quarterly Net Interest Margin 7.19% Return on Assets -0.49% Return on Equity -5.97% Interest Income $938,000 Non-Interest Income $133,000

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 Mountain River Credit Union had $209,000 in non-current loans and owned real-estate with $1.81 million in equity and loan loss allowances on hand to cover it. This gives Mountain River Credit Union a Texas Ratio of 11.55% 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 Mountain River Credit Union held steady from 11.14% as of December 31, 2010 to 11.55% as of December 31, 2011, resulting in a negative change of 3.68%. This indicates that the balance sheet and financial strength for Mountain River Credit Union has held steady in recent periods. Deposit Growth In the past year, Mountain River Credit Union has increased its total deposits by $4.69 million, resulting in 32.31% 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 River 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. Mountain River Credit Union has $20.95 million in assets with $1.81 million in equity, resulting in a capitalization level of 8.63%, which is average.

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