River Region Credit Union

River Region Credit Union is headquartered in Jefferson City and is the 26^th largest credit union in the state of Missouri. It is also the 1,710^st largest credit union in the nation. It was established in 1954 and as of September of 2011, it had grown to 22 employees and 12,976 members. River Region Credit Union has a 5-star health rating.

River Region Credit Union Routing Number: 286580917

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Data for Q3 2011

Institution Statistics RIVER REGION NCUA # 64283 BankRate Report View Year Established 1954 Employees 22 Primary Regulator Assets and Liabilities Assets $76.09 million Loans $63.16 million Deposits $66.30 million Equity Capital $6.03 million Loan Loss Allowance $433,000 Unbacked Noncurrent Loans $496,000 Historic Data - September 2010 Assets $66.86 million Equity Capital $5.47 million Loan Loss Allowance $344,000 Unbacked Noncurrent Loans $370,000 Profit Margin - Quarterly Net Interest Margin 3.01% Return on Assets 0.62% Return on Equity 7.78% Interest Income $2.29 million Non-Interest Income $1.21 million

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 September 30, 2011 River Region Credit Union had $496,000 in non-current loans and owned real-estate with $6.46 million in equity and loan loss allowances on hand to cover it. This gives River Region Credit Union a Texas Ratio of 7.67% 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 River Region Credit Union held steady from 6.36% as of September 30, 2010 to 7.67% as of September 30, 2011, resulting in a negative change of 20.62%. This indicates that the balance sheet and financial strength for River Region Credit Union has held steady in recent periods. Deposit Growth In the past year, River Region Credit Union has increased its total deposits by $6.42 million, resulting in 10.72% 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 Region 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 Region Credit Union has $76.09 million in assets with $6.46 million in equity, resulting in a capitalization level of 8.50%, which is average.

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