Mutual Security Credit Union

Mutual Security Credit Union is headquartered in SHELTON and is the 7^th largest credit union in the state of Connecticut. It is also the 771^st largest credit union in the nation. It was established in 1982 and as of December of 2012, it had grown to 66 employees and 35,803 members. Mutual Security Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics MUTUAL SECURITY NCUA # 68479 BankRate Report View Year Chartered 1982 Employees 66 Primary Regulator Assets and Liabilities Assets $247.15 million Loans $211.34 million Deposits $217.16 million Equity Capital $18.47 million Loan Loss Allowance $796,000 Unbacked Noncurrent Loans $1.52 million Real Estate Owned $329,000 Historic Data - December 2011 Assets $234.69 million Equity Capital $17.97 million Loan Loss Allowance $987,000 Unbacked Noncurrent Loans $1.96 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.11% Return on Equity 1.43% Interest Income $9.32 million Non-Interest Income $2.87 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 Mutual Security Credit Union had $1.85 million in non-current loans and owned real-estate with $19.26 million in equity and loan loss allowances on hand to cover it. This gives Mutual Security Credit Union a Texas Ratio of 9.59% 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 Mutual Security Credit Union held steady from 10.31% as of December 31, 2011 to 9.59% as of December 31, 2012, resulting in a positive change of 6.98%.This indicates that the balance sheet and financial strength for Mutual Security Credit Union has held steady in recent periods. Deposit Growth In the past year, Mutual Security Credit Union has increased its total deposits by $2.36 million, resulting in 1.1% 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 Security 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 Security Credit Union has $247.15 million in assets with $19.26 million in equity, resulting in a capitalization level of 7.79%, which is below average.

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