Nebraska Rural Community Credit Union

Nebraska Rural Community Credit Union is headquartered in Morrill and is the 66^th largest credit union in the state of Nebraska. It is also the 6,418^st largest credit union in the nation. It was established in 2003 and as of December of 2011, it had grown to 2 employees and 596 members. Nebraska Rural Community Credit Union has a 2-star health rating.

Data for Q4 2011

Institution Statistics NEBRASKA RURAL COMMUNITY NCUA # 24695 BankRate Report View Year Chartered 2003 Employees 2 Primary Regulator Assets and Liabilities Assets $1.73 million Loans $1.48 million Deposits $1.67 million Equity Capital $36,000 Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $47,000 Historic Data - December 2010 Assets $1.68 million Equity Capital $11,000 Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $53,000 Real Estate Owned $10,000 Profit Margin - Quarterly Net Interest Margin 7.31% Return on Assets 1.5% Return on Equity 72.22% Interest Income $135,000 Non-Interest Income $25,000

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 Nebraska Rural Community Credit Union had $47,000 in non-current loans and owned real-estate with $56,000 in equity and loan loss allowances on hand to cover it. This gives Nebraska Rural Community Credit Union a Texas Ratio of 83.93% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Nebraska Rural Community Credit Union decreased significantly from 185.29% as of December 31, 2010 to 83.93% as of December 31, 2011, resulting in a positive change of 54.71%.This indicates that the balance sheet and financial strength for Nebraska Rural Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Nebraska Rural Community Credit Union has increased its total deposits by $32,000, resulting in 1.95% 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 Nebraska Rural Community 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. Nebraska Rural Community Credit Union has $1.73 million in assets with $56,000 in equity, resulting in a capitalization level of 3.23%, which is poor.

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