Mountain Star Credit Union

Mountain Star Credit Union is headquartered in EL PASO and is the 248^th largest credit union in the state of Texas. It is also the 3,312^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 13 employees and 4,801 members. Mountain Star Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

Mountain Star Credit Union Checking Account Rates

Mountain Star Credit Union Savings Account Rates

Mountain Star Credit Union IRA Rates

Data for Q4 2011

Institution Statistics MOUNTAIN STAR NCUA # 856 BankRate Report View Year Chartered 1935 Employees 13 Primary Regulator Assets and Liabilities Assets $23.35 million Loans $14.30 million Deposits $20.63 million Equity Capital $2.62 million Loan Loss Allowance $159,000 Unbacked Noncurrent Loans $230,000 Historic Data - December 2010 Assets $24.23 million Equity Capital $2.48 million Loan Loss Allowance $173,000 Unbacked Noncurrent Loans $284,000 Profit Margin - Quarterly Net Interest Margin 6.79% Return on Assets 0.51% Return on Equity 4.58% Interest Income $1.17 million Non-Interest Income $454,000

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 Star Credit Union had $230,000 in non-current loans and owned real-estate with $2.78 million in equity and loan loss allowances on hand to cover it. This gives Mountain Star Credit Union a Texas Ratio of 8.27% 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 Star Credit Union decreased slightly from 10.70% as of December 31, 2010 to 8.27% as of December 31, 2011, resulting in a positive change of 22.71%.This indicates that the balance sheet and financial strength for Mountain Star Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Mountain Star Credit Union has decreased its total deposits by -$1.06 million, resulting in -4.9% 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 Star Credit Union has shown is below 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 Star Credit Union has $23.35 million in assets with $2.78 million in equity, resulting in a capitalization level of 11.91%, which is above average.

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