River Cities Community Credit Union

River Cities Community Credit Union is headquartered in Atchison and is the 82^nd largest credit union in the state of Kansas. It is also the 6,287^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 2 employees and 802 members. River Cities Community Credit Union's savings rates are 3X the national average, and it has a 3-star health rating.

River Cities Community Credit Union Routing Number: 301177755

River Cities Community Credit Union Savings Account Rates

River Cities Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics RIVER CITIES COMMUNITY NCUA # 63337 BankRate Report View Year Chartered 1958 Employees 2 Primary Regulator Assets and Liabilities Assets $2.13 million Loans $1.89 million Deposits $1.91 million Equity Capital $222,000 Loan Loss Allowance $21,000 Unbacked Noncurrent Loans $141,000 Historic Data - December 2010 Assets $1.89 million Equity Capital $213,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $52,000 Profit Margin - Quarterly Net Interest Margin 6.8% Return on Assets 0.52% Return on Equity 4.95% Interest Income $142,000 Non-Interest Income $21,000

Institution Health Overall Score: 3 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 River Cities Community Credit Union had $141,000 in non-current loans and owned real-estate with $243,000 in equity and loan loss allowances on hand to cover it. This gives River Cities Community Credit Union a Texas Ratio of 58.02% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for River Cities Community Credit Union increased slightly from 23.42% as of December 31, 2010 to 58.02% as of December 31, 2011, resulting in a negative change of 147.72%. This indicates that the balance sheet and financial strength for River Cities Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, River Cities Community Credit Union has increased its total deposits by $237,000, resulting in 14.17% 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 River Cities 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. River Cities Community Credit Union has $2.13 million in assets with $243,000 in equity, resulting in a capitalization level of 11.39%, which is above average.

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