Municipal Credit Union

Municipal Credit Union is headquartered in New York and is the 10^st largest credit union in the state of New York. It is also the 88^th largest credit union in the nation. It was established in 1917 and as of December of 2012, it had grown to 615 employees and 336,625 members. Municipal Credit Union has a 4-star health rating.

Municipal Credit Union Routing Number: 226078036

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Data for Q4 2012

Institution Statistics MUNICIPAL NCUA # 60153 BankRate Report View Year Chartered 1917 Employees 615 Primary Regulator Assets and Liabilities Assets $1.79 billion Loans $1.21 billion Deposits $1.62 billion Equity Capital $127.90 million Loan Loss Allowance $19.75 million Unbacked Noncurrent Loans $19.97 million Real Estate Owned $549,000 Historic Data - December 2011 Assets $1.66 billion Equity Capital $144.09 million Loan Loss Allowance $23.57 million Unbacked Noncurrent Loans $24.47 million Profit Margin - Quarterly Net Interest Margin 6.22% Return on Assets 0.25% Return on Equity 3.55% Interest Income $80.94 million Non-Interest Income $43.74 million

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, 2012 Municipal Credit Union had $20.52 million in non-current loans and owned real-estate with $147.65 million in equity and loan loss allowances on hand to cover it. This gives Municipal Credit Union a Texas Ratio of 13.90% 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 Municipal Credit Union held steady from 14.60% as of December 31, 2011 to 13.90% as of December 31, 2012, resulting in a positive change of 4.80%.This indicates that the balance sheet and financial strength for Municipal Credit Union has held steady in recent periods. Deposit Growth In the past year, Municipal Credit Union has increased its total deposits by $153.4 million, resulting in 10.42% 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 Municipal 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. Municipal Credit Union has $1.79 billion in assets with $147.65 million in equity, resulting in a capitalization level of 8.24%, which is average.

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