Premier Members Credit Union

Premier Members Credit Union is headquartered in BOULDER and is the 9^th largest credit union in the state of Colorado. It is also the 482^nd largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 104 employees and 35,812 members. Premier Members Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics PREMIER MEMBERS NCUA # 17277 BankRate Report View Year Chartered 1966 Employees 104 Primary Regulator Assets and Liabilities Assets $402.02 million Loans $259.32 million Deposits $355.45 million Equity Capital $41.29 million Loan Loss Allowance $5.07 million Unbacked Noncurrent Loans $4.02 million Real Estate Owned $1.81 million Historic Data - December 2010 Assets $392.54 million Equity Capital $38.95 million Loan Loss Allowance $6.38 million Unbacked Noncurrent Loans $7.27 million Real Estate Owned $2.07 million Profit Margin - Quarterly Net Interest Margin 5.59% Return on Assets 0.62% Return on Equity 6.04% Interest Income $16.67 million Non-Interest Income $4.02 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 Premier Members Credit Union had $5.84 million in non-current loans and owned real-estate with $46.36 million in equity and loan loss allowances on hand to cover it. This gives Premier Members Credit Union a Texas Ratio of 12.59% 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 Premier Members Credit Union decreased slightly from 20.59% as of December 31, 2010 to 12.59% as of December 31, 2011, resulting in a positive change of 38.87%.This indicates that the balance sheet and financial strength for Premier Members Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Premier Members Credit Union has increased its total deposits by $12.63 million, resulting in 3.69% 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 Premier Members Credit Union has shown is above average. 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. Premier Members Credit Union has $402.02 million in assets with $46.36 million in equity, resulting in a capitalization level of 11.53%, which is above average.

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