New Covenant Missionary Bapt Church Credit Union

New Covenant Missionary Bapt Church Credit Union is headquartered in Milwaukee and is the 198^th largest credit union in the state of Wisconsin. It is also the 6,906^th largest credit union in the nation. It was established in 1985 and as of December of 2011, it had grown to employees and 270 members. New Covenant Missionary Bapt Church Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics NEW COVENANT MISSIONARY BAPT CHURCH NCUA # 67220 BankRate Report View Year Chartered 1985 Employees 0 Primary Regulator Assets and Liabilities Assets $569,000 Loans $388,000 Deposits $520,000 Equity Capital $49,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $14,000 Historic Data - December 2010 Assets $413,000 Equity Capital $48,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $63,000 Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 0% Return on Equity 0% Interest Income $24,000

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 New Covenant Missionary Bapt Church Credit Union had $14,000 in non-current loans and owned real-estate with $56,000 in equity and loan loss allowances on hand to cover it. This gives New Covenant Missionary Bapt Church Credit Union a Texas Ratio of 25.00% 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 New Covenant Missionary Bapt Church Credit Union decreased significantly from 101.61% as of December 31, 2010 to 25.00% as of December 31, 2011, resulting in a positive change of 75.40%.This indicates that the balance sheet and financial strength for New Covenant Missionary Bapt Church Credit Union has improved significantly in recent periods. Deposit Growth In the past year, New Covenant Missionary Bapt Church Credit Union has increased its total deposits by $167,000, resulting in 47.31% 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 New Covenant Missionary Bapt Church Credit Union has shown is excellent. 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. New Covenant Missionary Bapt Church Credit Union has $569,000 in assets with $56,000 in equity, resulting in a capitalization level of 9.84%, which is average.

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