N M H Credit Union

N M H Credit Union is headquartered in NASHVILLE and is the 103^rd largest credit union in the state of Tennessee. It is also the 4,017^st largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 3 employees and 2,092 members. N M H Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

N M H Credit Union Savings Account Rates

N M H Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics N M H CREDIT UNION NCUA # 68100 BankRate Report View Year Chartered 1966 Employees 3 Primary Regulator Assets and Liabilities Assets $14.69 million Loans $6.53 million Deposits $11.92 million Equity Capital $2.70 million Loan Loss Allowance $230,000 Unbacked Noncurrent Loans $413,000 Historic Data - December 2010 Assets $14.86 million Equity Capital $2.64 million Loan Loss Allowance $216,000 Unbacked Noncurrent Loans $458,000 Profit Margin - Quarterly Net Interest Margin 6.21% Return on Assets 0.38% Return on Equity 2.08% Interest Income $566,000 Non-Interest Income $51,000

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 N M H Credit Union had $413,000 in non-current loans and owned real-estate with $2.92 million in equity and loan loss allowances on hand to cover it. This gives N M H Credit Union a Texas Ratio of 14.12% 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 N M H Credit Union held steady from 16.05% as of December 31, 2010 to 14.12% as of December 31, 2011, resulting in a positive change of 12.01%.This indicates that the balance sheet and financial strength for N M H Credit Union has held steady in recent periods. Deposit Growth In the past year, N M H Credit Union has decreased its total deposits by $-260,000, resulting in -2.13% 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 N M H Credit Union has shown is below 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. N M H Credit Union has $14.69 million in assets with $2.92 million in equity, resulting in a capitalization level of 19.92%, which is excellent.

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