US Federal Credit Union

US Federal Credit Union is headquartered in Burnsville and is the 3^rd largest credit union in the state of Minnesota. It is also the 220^th largest credit union in the nation. It was established in 1971 and as of September of 2011, it had grown to 171 employees and 68,298 members. US Federal Credit Union has a 4-star health rating.

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Data for Q3 2011

Institution Statistics US NCUA # 24297 BankRate Report View Year Established 1971 Employees 171 Primary Regulator Assets and Liabilities Assets $837.58 million Loans $554.80 million Deposits $763.34 million Equity Capital $70.23 million Loan Loss Allowance $8.34 million Unbacked Noncurrent Loans $12.18 million Real Estate Owned $2.91 million Historic Data - September 2010 Assets $791.77 million Equity Capital $64.03 million Loan Loss Allowance $10.09 million Unbacked Noncurrent Loans $16.71 million Real Estate Owned $12.73 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.57% Return on Equity 6.84% Interest Income $26.47 million Non-Interest Income $5.27 million

Institution Health Overall Score: 4 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 September 30, 2011 US Federal Credit Union had $15.08 million in non-current loans and owned real-estate with $78.57 million in equity and loan loss allowances on hand to cover it. This gives US Federal Credit Union a Texas Ratio of 19.20% 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 US Federal Credit Union decreased significantly from 39.73% as of September 30, 2010 to 19.20% as of September 30, 2011, resulting in a positive change of 51.68%.This indicates that the balance sheet and financial strength for US Federal Credit Union has improved significantly in recent periods. Deposit Growth In the past year, US Federal Credit Union has increased its total deposits by $40.61 million, resulting in 5.62% 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 US Federal 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. US Federal Credit Union has $837.58 million in assets with $78.57 million in equity, resulting in a capitalization level of 9.38%, which is average.

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