Mutual Savings Credit Union

Mutual Savings Credit Union is headquartered in BIRMINGHAM and is the 23^rd largest credit union in the state of Alabama. It is also the 1,001^st largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 76 employees and 37,143 members. Mutual Savings Credit Union has a 2-star health rating.

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Data for Q4 2011

Institution Statistics MUTUAL SAVINGS NCUA # 60501 BankRate Report View Year Chartered 1936 Employees 76 Primary Regulator Assets and Liabilities Assets $161.29 million Loans $100.24 million Deposits $121.03 million Equity Capital $10.91 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $1.25 million Real Estate Owned $5.83 million Historic Data - December 2010 Assets $172.72 million Equity Capital $10.32 million Loan Loss Allowance $2.21 million Unbacked Noncurrent Loans $4.76 million Real Estate Owned $2.58 million Profit Margin - Quarterly Net Interest Margin 6.71% Return on Assets 0.34% Return on Equity 5.09% Interest Income $7.09 million Non-Interest Income $5.82 million

Institution Health Overall Score: 2 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 Mutual Savings Credit Union had $7.08 million in non-current loans and owned real-estate with $12.63 million in equity and loan loss allowances on hand to cover it. This gives Mutual Savings Credit Union a Texas Ratio of 56.05% 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 Mutual Savings Credit Union held steady from 58.53% as of December 31, 2010 to 56.05% as of December 31, 2011, resulting in a positive change of 4.23%.This indicates that the balance sheet and financial strength for Mutual Savings Credit Union has held steady in recent periods. Deposit Growth In the past year, Mutual Savings Credit Union has decreased its total deposits by -$11.84 million, resulting in -8.91% 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 Savings Credit Union has shown is poor. 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 Savings Credit Union has $161.29 million in assets with $12.63 million in equity, resulting in a capitalization level of 7.83%, which is below average.

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