Our Credit Union

Our Credit Union is headquartered in Royal Oak and is the 46^th largest credit union in the state of Michigan. It is also the 852^nd largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 62 employees and 21,964 members. Our Credit Union has a 4-star health rating.

Our Credit Union Routing Number: 272484373

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Data for Q4 2011

Institution Statistics OUR NCUA # 62028 BankRate Report View Year Chartered 1959 Employees 62 Primary Regulator Assets and Liabilities Assets $204.08 million Loans $96.95 million Deposits $184.30 million Equity Capital $16.18 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $1.83 million Real Estate Owned $104,000 Historic Data - December 2010 Assets $189.51 million Equity Capital $13.90 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $2.75 million Real Estate Owned $6,000 Profit Margin - Quarterly Net Interest Margin 4.88% Return on Assets 0.53% Return on Equity 6.69% Interest Income $7.91 million Non-Interest Income $3.00 million

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 Our Credit Union had $1.94 million in non-current loans and owned real-estate with $18.1 million in equity and loan loss allowances on hand to cover it. This gives Our Credit Union a Texas Ratio of 10.70% 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 Our Credit Union decreased slightly from 16.90% as of December 31, 2010 to 10.70% as of December 31, 2011, resulting in a positive change of 36.64%.This indicates that the balance sheet and financial strength for Our Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Our Credit Union has increased its total deposits by $13.49 million, resulting in 7.9% 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 Our 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. Our Credit Union has $204.08 million in assets with $18.1 million in equity, resulting in a capitalization level of 8.87%, which is average.