Mountaincrest Credit Union

Mountaincrest Credit Union is headquartered in Arlington and is the 42^nd largest credit union in the state of Washington. It is also the 1,620^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 26 employees and 9,953 members. Mountaincrest Credit Union has a 3-star health rating.

Mountaincrest Credit Union Routing Number: 325180579

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Data for Q4 2011

Institution Statistics MOUNTAINCREST NCUA # 68253 BankRate Report View Year Chartered 1934 Employees 26 Primary Regulator Assets and Liabilities Assets $81.88 million Loans $45.76 million Deposits $74.52 million Equity Capital $5.76 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.47 million Real Estate Owned $771,000 Historic Data - December 2010 Assets $80.70 million Equity Capital $6.87 million Loan Loss Allowance $903,000 Unbacked Noncurrent Loans $962,000 Real Estate Owned $637,000 Profit Margin - Quarterly Net Interest Margin 6.4% Return on Assets -1.25% Return on Equity -17.75% Interest Income $3.48 million Non-Interest Income $1.04 million

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 Mountaincrest Credit Union had $2.24 million in non-current loans and owned real-estate with $6.93 million in equity and loan loss allowances on hand to cover it. This gives Mountaincrest Credit Union a Texas Ratio of 32.34% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mountaincrest Credit Union increased slightly from 20.58% as of December 31, 2010 to 32.34% as of December 31, 2011, resulting in a negative change of 57.14%. This indicates that the balance sheet and financial strength for Mountaincrest Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Mountaincrest Credit Union has increased its total deposits by $2.03 million, resulting in 2.8% 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 Mountaincrest Credit Union has shown is above 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. Mountaincrest Credit Union has $81.88 million in assets with $6.93 million in equity, resulting in a capitalization level of 8.46%, which is average.

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