Municipal Employees CU (IN)

Municipal Employees CU (IN) is headquartered in La Porte and is the 178^th largest credit union in the state of Indiana. It is also the 6,670^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 2 employees and 286 members. Municipal Employees CU (IN) has a 4-star health rating.

Data for Q4 2011

Institution Statistics MUNICIPAL EMPLOYEES NCUA # 60693 BankRate Report View Year Chartered 1938 Employees 2 Primary Regulator Assets and Liabilities Assets $1.08 million Loans $657,000 Deposits $913,000 Equity Capital $163,000 Loan Loss Allowance $15,000 Unbacked Noncurrent Loans $40,000 Historic Data - December 2010 Assets $1.10 million Equity Capital $181,000 Loan Loss Allowance $18,000 Unbacked Noncurrent Loans $81,000 Profit Margin - Quarterly Net Interest Margin 7.84% Return on Assets -1.58% Return on Equity -10.43% Interest Income $63,000

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 Municipal Employees CU (IN) had $40,000 in non-current loans and owned real-estate with $178,000 in equity and loan loss allowances on hand to cover it. This gives Municipal Employees CU (IN) a Texas Ratio of 22.47% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Municipal Employees CU (IN) decreased significantly from 40.70% as of December 31, 2010 to 22.47% as of December 31, 2011, resulting in a positive change of 44.79%.This indicates that the balance sheet and financial strength for Municipal Employees CU (IN) has improved significantly in recent periods. Deposit Growth In the past year, Municipal Employees CU (IN) has decreased its total deposits by $-9,000, resulting in -0.98% 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 Employees CU (IN) has shown is 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. Municipal Employees CU (IN) has $1.08 million in assets with $178,000 in equity, resulting in a capitalization level of 16.54%, which is excellent.

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