Shelby Community Credit Union

Shelby Community Credit Union is headquartered in Shelby and is the 44^th largest credit union in the state of Montana. It is also the 4,994^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 2 employees and 1,620 members. Shelby Community Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics SHELBY COMMUNITY NCUA # 9592 BankRate Report View Year Chartered 1954 Employees 2 Primary Regulator Assets and Liabilities Assets $7.68 million Loans $2.35 million Deposits $6.45 million Equity Capital $1.18 million Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $29,000 Historic Data - December 2010 Assets $6.53 million Equity Capital $1.24 million Loan Loss Allowance $19,000 Unbacked Noncurrent Loans $71,000 Profit Margin - Quarterly Net Interest Margin 6.48% Return on Assets -0.87% Return on Equity -5.7% Interest Income $194,000 Non-Interest Income ($1,000)

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 Shelby Community Credit Union had $29,000 in non-current loans and owned real-estate with $1.19 million in equity and loan loss allowances on hand to cover it. This gives Shelby Community Credit Union a Texas Ratio of 2.45% 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 Shelby Community Credit Union decreased significantly from 5.63% as of December 31, 2010 to 2.45% as of December 31, 2011, resulting in a positive change of 56.54%.This indicates that the balance sheet and financial strength for Shelby Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Shelby Community Credit Union has increased its total deposits by $1.2 million, resulting in 22.75% 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 Shelby 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. Shelby Community Credit Union has $7.68 million in assets with $1.19 million in equity, resulting in a capitalization level of 15.44%, which is excellent.

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