Whitefish Credit Union Association

Whitefish Credit Union Association is headquartered in WHITEFISH and is the largest credit union in the state of Montana. It is also the 139^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 101 employees and 57,000 members. Whitefish Credit Union Association has a 3-star health rating.

Data for Q4 2011

Institution Statistics WHITEFISH CREDIT UNION ASSOCIATION NCUA # 61949 BankRate Report View Year Chartered 1934 Employees 101 Primary Regulator Assets and Liabilities Assets $1.22 billion Loans $754.26 million Deposits $1.09 billion Equity Capital $118.11 million Loan Loss Allowance $20.78 million Unbacked Noncurrent Loans $56.72 million Real Estate Owned $22.95 million Historic Data - December 2010 Assets $1.22 billion Equity Capital $113.59 million Loan Loss Allowance $16.78 million Unbacked Noncurrent Loans $78.07 million Real Estate Owned $22.49 million Profit Margin - Quarterly Net Interest Margin 4.53% Return on Assets 0.22% Return on Equity 2.31% Interest Income $45.46 million Non-Interest Income ($5,246,000)

Institution Health Overall Score: 3 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 Whitefish Credit Union Association had $79.66 million in non-current loans and owned real-estate with $138.89 million in equity and loan loss allowances on hand to cover it. This gives Whitefish Credit Union Association a Texas Ratio of 57.35% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Whitefish Credit Union Association decreased slightly from 77.14% as of December 31, 2010 to 57.35% as of December 31, 2011, resulting in a positive change of 25.64%.This indicates that the balance sheet and financial strength for Whitefish Credit Union Association has improved slightly in recent periods. Deposit Growth In the past year, Whitefish Credit Union Association has decreased its total deposits by -$3.8 million, resulting in -0.35% 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 Whitefish Credit Union Association has shown is 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. Whitefish Credit Union Association has $1.22 billion in assets with $138.89 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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