Trustar Credit Union

Trustar Credit Union is headquartered in INTERNATIONAL F and is the 21^st largest credit union in the state of Minnesota. It is also the 1,021^st largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 56 employees and 13,475 members. Trustar Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Trustar Credit Union Checking Account Rates

Trustar Credit Union Savings Account Rates

Trustar Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics TRUSTAR NCUA # 24626 BankRate Report View Year Chartered 1960 Employees 56 Primary Regulator Assets and Liabilities Assets $157.10 million Loans $120.48 million Deposits $123.75 million Equity Capital $24.99 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $2.45 million Real Estate Owned $297,000 Historic Data - December 2010 Assets $147.06 million Equity Capital $23.36 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $2.31 million Real Estate Owned $234,000 Profit Margin - Quarterly Net Interest Margin 5.5% Return on Assets 0.83% Return on Equity 5.19% Interest Income $7.71 million Non-Interest Income $2.40 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 December 31, 2011 Trustar Credit Union had $2.74 million in non-current loans and owned real-estate with $26.59 million in equity and loan loss allowances on hand to cover it. This gives Trustar Credit Union a Texas Ratio of 10.32% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Trustar Credit Union held steady from 10.34% as of December 31, 2010 to 10.32% as of December 31, 2011, resulting in a positive change of 0.22%.This indicates that the balance sheet and financial strength for Trustar Credit Union has held steady in recent periods. Deposit Growth In the past year, Trustar Credit Union has increased its total deposits by $10.45 million, resulting in 9.23% 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 Trustar 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. Trustar Credit Union has $157.1 million in assets with $26.59 million in equity, resulting in a capitalization level of 16.93%, which is excellent.

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