Municipal Emps Cu Of Oklahoma City

Municipal Emps Cu Of Oklahoma City is headquartered in OKLAHOMA CITY and is the 15^st largest credit union in the state of Oklahoma. It is also the 1,259^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 45 employees and 11,920 members. Municipal Emps Cu Of Oklahoma City's savings rates are 15% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics MUNICIPAL EMPS CU OF OKLAHOMA CITY NCUA # 65503 BankRate Report View Year Chartered 1934 Employees 45 Primary Regulator Assets and Liabilities Assets $118.85 million Loans $91.70 million Deposits $109.29 million Equity Capital $8.85 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $786,000 Real Estate Owned $298,000 Historic Data - December 2010 Assets $110.49 million Equity Capital $8.21 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $1.14 million Profit Margin - Quarterly Net Interest Margin 5.44% Return on Assets 0.51% Return on Equity 6.86% Interest Income $6.30 million Non-Interest Income $2.41 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, 2011 Municipal Emps Cu Of Oklahoma City had $1.08 million in non-current loans and owned real-estate with $10.33 million in equity and loan loss allowances on hand to cover it. This gives Municipal Emps Cu Of Oklahoma City a Texas Ratio of 10.49% 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 Emps Cu Of Oklahoma City held steady from 11.80% as of December 31, 2010 to 10.49% as of December 31, 2011, resulting in a positive change of 11.10%.This indicates that the balance sheet and financial strength for Municipal Emps Cu Of Oklahoma City has held steady in recent periods. Deposit Growth In the past year, Municipal Emps Cu Of Oklahoma City has increased its total deposits by $7.66 million, resulting in 7.54% 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 Emps Cu Of Oklahoma City 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 Emps Cu Of Oklahoma City has $118.85 million in assets with $10.33 million in equity, resulting in a capitalization level of 8.69%, which is average.

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