North Iowa Community Credit Union

North Iowa Community Credit Union is headquartered in MASON CITY and is the 25^th largest credit union in the state of Iowa. It is also the 1,996^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 20 employees and 10,177 members. North Iowa Community Credit Union has a 5-star health rating.

North Iowa Community Credit Union Checking Account Rates

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North Iowa Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics NORTH IOWA COMMUNITY NCUA # 64191 BankRate Report View Year Chartered 1956 Employees 20 Primary Regulator Assets and Liabilities Assets $60.04 million Loans $50.78 million Deposits $53.00 million Equity Capital $6.10 million Loan Loss Allowance $244,000 Unbacked Noncurrent Loans $757,000 Historic Data - December 2010 Assets $53.69 million Equity Capital $5.57 million Loan Loss Allowance $292,000 Unbacked Noncurrent Loans $1.18 million Profit Margin - Quarterly Net Interest Margin 6.26% Return on Assets 0.88% Return on Equity 8.69% Interest Income $3.26 million Non-Interest Income $631,000

Institution Health Overall Score: 5 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 North Iowa Community Credit Union had $757,000 in non-current loans and owned real-estate with $6.34 million in equity and loan loss allowances on hand to cover it. This gives North Iowa Community Credit Union a Texas Ratio of 11.94% 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 North Iowa Community Credit Union decreased significantly from 20.18% as of December 31, 2010 to 11.94% as of December 31, 2011, resulting in a positive change of 40.84%.This indicates that the balance sheet and financial strength for North Iowa Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, North Iowa Community Credit Union has increased its total deposits by $5.11 million, resulting in 10.66% 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 North Iowa Community 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. North Iowa Community Credit Union has $60.04 million in assets with $6.34 million in equity, resulting in a capitalization level of 10.56%, which is above average.

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