Northeast Regional Credit Union

Northeast Regional Credit Union is headquartered in Hannibal and is the 124^th largest credit union in the state of Missouri. It is also the 6,604^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 1 employees and 400 members. Northeast Regional Credit Union has a 4-star health rating.

Northeast Regional Credit Union Routing Number: 281580705

Data for Q4 2011

Institution Statistics NORTHEAST REGIONAL NCUA # 64709 BankRate Report View Year Chartered 1953 Employees 1 Primary Regulator Assets and Liabilities Assets $1.25 million Loans $949,000 Deposits $1.12 million Equity Capital $123,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $31,000 Historic Data - December 2010 Assets $1.13 million Equity Capital $116,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $30,000 Profit Margin - Quarterly Net Interest Margin 8.15% Return on Assets 1.12% Return on Equity 11.38% Interest Income $89,000 Non-Interest Income $10,000

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 Northeast Regional Credit Union had $31,000 in non-current loans and owned real-estate with $145,000 in equity and loan loss allowances on hand to cover it. This gives Northeast Regional Credit Union a Texas Ratio of 21.38% 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 Northeast Regional Credit Union held steady from 23.81% as of December 31, 2010 to 21.38% as of December 31, 2011, resulting in a positive change of 10.21%.This indicates that the balance sheet and financial strength for Northeast Regional Credit Union has held steady in recent periods. Deposit Growth In the past year, Northeast Regional Credit Union has increased its total deposits by $106,000, resulting in 10.48% 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 Northeast Regional 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. Northeast Regional Credit Union has $1.25 million in assets with $145,000 in equity, resulting in a capitalization level of 11.65%, which is above average.

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