North Star Community Credit Union

North Star Community Credit Union is headquartered in MADDOCK and is the 7^th largest credit union in the state of North Dakota. It is also the 1,181^st largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 34 employees and 8,730 members. North Star Community Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

North Star Community Credit Union Routing Number: 291378774

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Data for Q4 2011

Institution Statistics NORTH STAR COMMUNITY NCUA # 62563 BankRate Report View Year Chartered 1940 Employees 34 Primary Regulator Assets and Liabilities Assets $130.42 million Loans $97.27 million Deposits $113.94 million Equity Capital $15.98 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $917,000 Real Estate Owned $180,000 Historic Data - December 2010 Assets $116.32 million Equity Capital $14.75 million Loan Loss Allowance $1.49 million Unbacked Noncurrent Loans $1.91 million Real Estate Owned $196,000 Profit Margin - Quarterly Net Interest Margin 5.53% Return on Assets 1.14% Return on Equity 9.3% Interest Income $5.61 million Non-Interest Income $634,000

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 Star Community Credit Union had $1.1 million in non-current loans and owned real-estate with $17.44 million in equity and loan loss allowances on hand to cover it. This gives North Star Community Credit Union a Texas Ratio of 6.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Star Community Credit Union decreased significantly from 12.95% as of December 31, 2010 to 6.29% as of December 31, 2011, resulting in a positive change of 51.42%.This indicates that the balance sheet and financial strength for North Star Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, North Star Community Credit Union has increased its total deposits by $12.3 million, resulting in 12.1% 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 North Star 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 Star Community Credit Union has $130.42 million in assets with $17.44 million in equity, resulting in a capitalization level of 13.37%, which is excellent.

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