Mutual First Federal Credit Union

Mutual First Federal Credit Union is headquartered in Omaha and is the 8^th largest credit union in the state of Nebraska. It is also the 1,356^th largest credit union in the nation. It was established in 1949 and as of September of 2011, it had grown to 35 employees and 12,049 members. Mutual First Federal Credit Union's savings rates are 3X the national average, and it has a 3-star health rating.

Mutual First Federal Credit Union Routing Number: 304083147

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Data for Q3 2011

Institution Statistics MUTUAL FIRST NCUA # 24540 BankRate Report View Year Established 1949 Employees 35 Primary Regulator Assets and Liabilities Assets $108.18 million Loans $63.80 million Deposits $81.83 million Equity Capital $8.68 million Loan Loss Allowance $1.00 million Unbacked Noncurrent Loans $1.67 million Real Estate Owned $552,000 Historic Data - September 2010 Assets $114.96 million Equity Capital $10.28 million Loan Loss Allowance $657,000 Unbacked Noncurrent Loans $2.60 million Real Estate Owned $320,000 Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 0.22% Return on Equity 2.78% Interest Income $3.76 million Non-Interest Income $1.35 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 September 30, 2011 Mutual First Federal Credit Union had $2.22 million in non-current loans and owned real-estate with $9.68 million in equity and loan loss allowances on hand to cover it. This gives Mutual First Federal Credit Union a Texas Ratio of 22.99% 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 Mutual First Federal Credit Union held steady from 26.65% as of September 30, 2010 to 22.99% as of September 30, 2011, resulting in a positive change of 13.74%.This indicates that the balance sheet and financial strength for Mutual First Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Mutual First Federal Credit Union has increased its total deposits by $2.29 million, resulting in 2.87% 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 Mutual First Federal 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. Mutual First Federal Credit Union has $108.18 million in assets with $9.68 million in equity, resulting in a capitalization level of 8.95%, which is average.

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