Rogue River Community Credit Union

Rogue River Community Credit Union is headquartered in SPARTA and is the 173^rd largest credit union in the state of Michigan. It is also the 2,785^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 10 employees and 6,828 members. Rogue River Community Credit Union's savings rates are 35% higher than the national average, and it has a 3-star health rating.

Rogue River Community Credit Union Savings Account Rates

Rogue River Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics ROGUE RIVER COMMUNITY NCUA # 62040 BankRate Report View Year Chartered 1956 Employees 10 Primary Regulator Assets and Liabilities Assets $33.07 million Loans $16.63 million Deposits $30.24 million Equity Capital $2.80 million Loan Loss Allowance $361,000 Unbacked Noncurrent Loans $445,000 Real Estate Owned $38,000 Historic Data - December 2010 Assets $33.99 million Equity Capital $2.48 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $294,000 Profit Margin - Quarterly Net Interest Margin 6.61% Return on Assets 0.85% Return on Equity 10.06% Interest Income $1.36 million Non-Interest Income $553,000

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 Rogue River Community Credit Union had $483,000 in non-current loans and owned real-estate with $3.16 million in equity and loan loss allowances on hand to cover it. This gives Rogue River Community Credit Union a Texas Ratio of 15.26% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Rogue River Community Credit Union held steady from 10.36% as of December 31, 2010 to 15.26% as of December 31, 2011, resulting in a negative change of 47.31%. This indicates that the balance sheet and financial strength for Rogue River Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Rogue River Community Credit Union has increased its total deposits by $239,000, resulting in 0.8% 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 Rogue River Community Credit Union has shown is 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. Rogue River Community Credit Union has $33.07 million in assets with $3.16 million in equity, resulting in a capitalization level of 9.57%, which is average.

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