Twin Valley-Flom Credit Union

Twin Valley-Flom Credit Union is headquartered in Twin Valley and is the 139^th largest credit union in the state of Minnesota. It is also the 6,819^st largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to employees and 339 members. Twin Valley-Flom Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics PINE TO PRAIRIE NCUA # 24675 BankRate Report View Year Chartered 1958 Employees 0 Primary Regulator Assets and Liabilities Assets $758,000 Loans $605,000 Deposits $694,000 Equity Capital $62,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $2,000 Historic Data - December 2010 Assets $737,000 Equity Capital $83,000 Unbacked Noncurrent Loans $6,000 Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets -1.85% Return on Equity -22.58% Interest Income $30,000 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 Twin Valley-Flom Credit Union had $2,000 in non-current loans and owned real-estate with $64,000 in equity and loan loss allowances on hand to cover it. This gives Twin Valley-Flom Credit Union a Texas Ratio of 3.13% 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 Twin Valley-Flom Credit Union decreased significantly from 7.23% as of December 31, 2010 to 3.13% as of December 31, 2011, resulting in a positive change of 56.77%.This indicates that the balance sheet and financial strength for Twin Valley-Flom Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Twin Valley-Flom Credit Union has increased its total deposits by $41,000, resulting in 6.28% 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 Twin Valley-Flom 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. Twin Valley-Flom Credit Union has $758,000 in assets with $64,000 in equity, resulting in a capitalization level of 8.44%, which is average.

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