Mountain States Credit Union

Mountain States Credit Union is headquartered in JOHNSON CITY and is the 104^th largest credit union in the state of Tennessee. It is also the 4,036^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 9 employees and 2,972 members. Mountain States Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics MOUNTAIN STATES NCUA # 67776 BankRate Report View Year Chartered 1953 Employees 9 Primary Regulator Assets and Liabilities Assets $14.52 million Loans $8.03 million Deposits $12.71 million Equity Capital $1.79 million Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $242,000 Historic Data - December 2010 Assets $13.48 million Equity Capital $1.98 million Loan Loss Allowance $29,000 Unbacked Noncurrent Loans $179,000 Profit Margin - Quarterly Net Interest Margin 6.35% Return on Assets -0.83% Return on Equity -6.72% Interest Income $563,000 Non-Interest Income $280,000

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 Mountain States Credit Union had $242,000 in non-current loans and owned real-estate with $1.8 million in equity and loan loss allowances on hand to cover it. This gives Mountain States Credit Union a Texas Ratio of 13.42% 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 States Credit Union held steady from 8.89% as of December 31, 2010 to 13.42% as of December 31, 2011, resulting in a negative change of 50.94%. This indicates that the balance sheet and financial strength for Mountain States Credit Union has held steady in recent periods. Deposit Growth In the past year, Mountain States Credit Union has increased its total deposits by $1.26 million, resulting in 10.99% 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 States 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 States Credit Union has $14.52 million in assets with $1.8 million in equity, resulting in a capitalization level of 12.42%, which is excellent.

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