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Credit Union Data And Trends

Credit Union Data And Trends Bank Rate Watch Credit Union Directory South Dakota Credit Unions
MED5 CREDIT UNION


Number of current members as of the cycle date.
This is a capital adequacy ratio that measures total assets (less other liabilities) to total shares. A ratio over 100 means that a credit union has enough assets to pay all obligations to creditors and members, if liquidation occurs.
This Capital Adequacy ratio measures net worth in relation to total assets. Net worth cushions fluctuations in earnings, supports growth, and provides protection against insolvency. The rate of net worth growth should be commensurate with the levels of risk and asset growth.
This is the annualized year-to-date percentage change (growth) in total Net Worth Capital.
This is the annualized year-to-date percentage change (growth) in total assets.
An earnings ratio that measures annualized YTD net income in relation to average assets. This ratio measures the efficient utilization of assets to create profits YTD. A positive ratio indicates that earnings were sufficient to cover the institution's cost of funds and operating expenses(including for loan loss expense) as well as providing a profit.
This is the annualized year-to-date percentage change (growth) in total loans.
This is the annualized year-to-date percentage change (growth) in total deposits.
The most common interest/dividend rate paid last quarter according to the dollar volume of business
      
CREDIT UNION GENERAL INFORMATION
Charter Number 17224
CEO/PRESIDENT Pamela Brown-Graff
Address 625 Flormann St
City Rapid City
State SD
Zip 57701
Phone 605-342-7776
Fax 605-348-3172
Website www.med5fcu.com
# of Branch Offices 3
 # of Members 4,708
Number of Full-Time Employees 15
Host Computer System Vendor  
Homebanking Vendor  
     

      
FINANCIAL STATUS
Total Assets $50,298,501.00
  Solvency Evaluation (Estimated) 108.15
 Net-Worth Ratio 7.01
Net Worth Classification by NCUA Well Capitalized
 Net Worth % Growth (Annualized) 18.54
Total Loans $43,413,990.00
Total Deposits $43,267,840.00
 Total Assets % Growth (Annualized) 6.25
 ROA (Annualized) After NCUA Assessments Exp 1.13
 Total Loans ($) Growth % (Annualized) 10.63
 Total Deposits ($) Growth % (Annualized) 2.38
     

      
ACCESS TO ELECTRONIC FINANCIAL SERVICES
Home Banking Via Internet Website Yes
Wireless No
Home Banking/PC Based No
Audio Response/Phone Based Yes
ATM Automated Teller Machine Yes
Kiosk No
Other No
     

      
ELECTRONIC SERVICES OFFERED
Member Application Yes
New Loan Yes
Account Balance Inquiry Yes
Checks Ordering Yes
New Share Account No
Loan Payments Yes
Account Aggregation No
Internet Access Services Yes
View Account History Yes
Merchandise Purchase Yes
Share Account Transfers Yes
Bill Payment Yes
Download Account History Yes
Electronic Cash Yes
Signature Authentication No
     

      
OTHER SERVICES OFFERED
Real Estate Loans Yes
Member Business Loans Yes
Risk Based Loans No
Direct Financing Leases No
Mortgage Processing Yes
Overdraft Protection Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only First Mortgage No
Insurance/Investment Sales Yes
     

      
CREDIT UNION DEPOSIT RATES (Most Common Rates Offered As of the Quarter-Ended)
 Checking Rate % 0.00
Reguar Savings Rate % 0.10
Money Market Rate % 0.15
Certifificates of Deposit Rate % 0.50
IRA/KEOGH Rate % 0.50
All Other Savings Rate % 0.00
     

      
CREDIT UNION LOAN RATES (Most Common Rates Offered As of the Quarter-Ended)
Unsecured Credit Card Loan Rate % 6.00
All Other Unsecured loans/Lines of Credit Rate % 12.45
New Auto/Vehicle Loan Rate % 3.00
Used Auto/Vehicle Loan Rate % 3.35
1st Mortgage Real Estate/Lines of Credit Rate % 4.75
Other Real Estate Loans/Lines of Credit Rate % 3.45
Leases Receivables 0.00
All Other Loans/Lines of Credit Rate 11.35