Show-Me Credit Union

Show-Me Credit Union is headquartered in Mexico and is the 55^th largest credit union in the state of Missouri. It is also the 3,248^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 11 employees and 3,499 members. Show-Me Credit Union has a 5-star health rating.

Show-Me Credit Union Routing Number: 281581076

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Data for Q4 2011

Institution Statistics SHOW-ME NCUA # 62960 BankRate Report View Year Chartered 1954 Employees 11 Primary Regulator Assets and Liabilities Assets $24.36 million Loans $16.63 million Deposits $21.42 million Equity Capital $2.92 million Loan Loss Allowance $136,000 Unbacked Noncurrent Loans $86,000 Historic Data - December 2010 Assets $24.57 million Equity Capital $2.86 million Loan Loss Allowance $132,000 Unbacked Noncurrent Loans $168,000 Profit Margin - Quarterly Net Interest Margin 6.19% Return on Assets 0.23% Return on Equity 1.89% Interest Income $1.12 million Non-Interest Income $273,000

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 Show-Me Credit Union had $86,000 in non-current loans and owned real-estate with $3.05 million in equity and loan loss allowances on hand to cover it. This gives Show-Me Credit Union a Texas Ratio of 2.82% 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 Show-Me Credit Union decreased significantly from 5.61% as of December 31, 2010 to 2.82% as of December 31, 2011, resulting in a positive change of 49.80%.This indicates that the balance sheet and financial strength for Show-Me Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Show-Me Credit Union has decreased its total deposits by $-258,000, resulting in -1.19% 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 Show-Me Credit Union has shown is below 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. Show-Me Credit Union has $24.36 million in assets with $3.05 million in equity, resulting in a capitalization level of 12.52%, which is excellent.

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