Warren M S D Credit Union

Warren M S D Credit Union is headquartered in Indianapolis and is the 93^rd largest credit union in the state of Indiana. It is also the 3,724^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 4 employees and 2,283 members. Warren M S D Credit Union has a 5-star health rating.

Warren M S D Credit Union Savings Account Rates

Warren M S D Credit Union IRA Rates

Data for Q4 2011

Institution Statistics WARREN M S D NCUA # 16896 BankRate Report View Year Chartered 1965 Employees 4 Primary Regulator Assets and Liabilities Assets $17.97 million Loans $4.28 million Deposits $15.90 million Equity Capital $2.05 million Loan Loss Allowance $50,000 Unbacked Noncurrent Loans $47,000 Historic Data - December 2010 Assets $17.74 million Equity Capital $2.03 million Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $67,000 Profit Margin - Quarterly Net Interest Margin 7.17% Return on Assets 0.09% Return on Equity 0.83% Interest Income $452,000 Non-Interest Income $189,000

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 Warren M S D Credit Union had $47,000 in non-current loans and owned real-estate with $2.1 million in equity and loan loss allowances on hand to cover it. This gives Warren M S D Credit Union a Texas Ratio of 2.24% 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 Warren M S D Credit Union decreased slightly from 3.22% as of December 31, 2010 to 2.24% as of December 31, 2011, resulting in a positive change of 30.42%.This indicates that the balance sheet and financial strength for Warren M S D Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Warren M S D Credit Union has increased its total deposits by $212,000, resulting in 1.35% 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 Warren M S D Credit Union has shown is above 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. Warren M S D Credit Union has $17.97 million in assets with $2.1 million in equity, resulting in a capitalization level of 11.68%, which is above average.

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