Pennington Municipal & County Emplo Credit Union

Pennington Municipal & County Emplo Credit Union is headquartered in thief river fal and is the 134^th largest credit union in the state of Minnesota. It is also the 6,488^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 1 employees and 575 members. Pennington Municipal & County Emplo Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics PENNINGTON MUNICIPAL & COUNTY EMPLO NCUA # 64331 BankRate Report View Year Chartered 1958 Employees 1 Primary Regulator Assets and Liabilities Assets $1.56 million Loans $772,000 Deposits $1.37 million Equity Capital $185,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $9,000 Historic Data - December 2010 Assets $1.48 million Equity Capital $184,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $6,000 Profit Margin - Quarterly Net Interest Margin 6.1% Return on Assets 0% Return on Equity 0% Interest Income $57,000

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 Pennington Municipal & County Emplo Credit Union had $9,000 in non-current loans and owned real-estate with $199,000 in equity and loan loss allowances on hand to cover it. This gives Pennington Municipal & County Emplo Credit Union a Texas Ratio of 4.52% 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 Pennington Municipal & County Emplo Credit Union held steady from 3.03% as of December 31, 2010 to 4.52% as of December 31, 2011, resulting in a negative change of 49.25%. This indicates that the balance sheet and financial strength for Pennington Municipal & County Emplo Credit Union has held steady in recent periods. Deposit Growth In the past year, Pennington Municipal & County Emplo Credit Union has increased its total deposits by $78,000, resulting in 6.03% 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 Pennington Municipal & County Emplo 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. Pennington Municipal & County Emplo Credit Union has $1.56 million in assets with $199,000 in equity, resulting in a capitalization level of 12.75%, which is excellent.

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