1St Valley Credit Union

401 W. 2nd Street
San Bernardino, CA 92401
909-889-0838
www.1stvalleycu.com

NCUA

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1St Valley Credit Union is headquartered in San Bernardino and is the 236^th largest credit union in the state of California. It is also the 2,732^nd largest credit union in the nation. It was established in 1951 and as of December of 2012, it had grown to 12 employees and 3,619 members. 1St Valley Credit Union has a 5-star health rating.

1St Valley Credit Union Routing Number: 322282632

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See Rates for: Checking | Savings | CD | IRA

1St Valley Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$30k	-	Premium Checking
0.15%	$30k	-	Heritage Checking

1St Valley Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Youth Account
0.20%	$70k	-	Prime Savings
0.20%	$70k	-	Heritage Club
0.20%	$70k	-	Christmas Club

1St Valley Credit Union CD Rates

Apy	Min	Max	Product
0.90%	$100k	-	36 Month Jumbo CD
0.85%	$10k	-	36 Month Share CD
0.80%	$2k	-	36 Month Small Saver
0.60%	$100k	-	24 Month Jumbo CD
0.55%	$10k	-	24 Month Share CD
0.55%	$100k	-	12 Month Jumbo CD
0.50%	$2k	-	24 Month Small Saver
0.50%	$10k	-	12 Month Share CD
0.45%	$2k	-	12 Month Small Saver
0.45%	$100k	-	6 Month Jumbo CD
0.40%	$4k	$20k	36 Month Flex CD
0.40%	$10k	-	6 Month Share CD
0.35%	$2k	-	6 Month Small Saver
0.20%	$4k	$20k	24 Month Flex CD
0.10%	$4k	$20k	6 Month Flex CD
0.10%	$4k	$20k	12 Month Flex CD

1St Valley Credit Union IRA Rates

Apy	Min	Max	Product
0.90%	$2k	-	36 Month IRA
0.76%	$50	-	18 Month Variable IRA
0.60%	$2k	-	24 Month IRA
0.55%	$2k	-	12 Month IRA
0.45%	$2k	-	6 Month IRA

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

1ST VALLEY
NCUA #	68027
BankRate Report	View
Year Chartered	1951
Employees	12
Primary Regulator
Assets and Liabilities
Assets	$35.04 million
Loans	$10.47 million
Deposits	$30.45 million
Equity Capital	$4.13 million
Loan Loss Allowance	$241,000
Unbacked Noncurrent Loans	$204,000
Historic Data - December 2011
Assets	$33.82 million
Equity Capital	$4.01 million
Loan Loss Allowance	$300,000
Unbacked Noncurrent Loans	$398,000
Profit Margin - Quarterly
Net Interest Margin	6.12%
Return on Assets	0.25%
Return on Equity	2.13%
Interest Income	$1.22 million
Non-Interest Income	$398,000

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, 2012 1St Valley Credit Union had $204,000 in non-current loans and owned real-estate with $4.37 million in equity and loan loss allowances on hand to cover it. This gives 1St Valley Credit Union a Texas Ratio of 4.67% 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 1St Valley Credit Union decreased significantly from 9.24% as of December 31, 2011 to 4.67% as of December 31, 2012, resulting in a positive change of 49.48%.This indicates that the balance sheet and financial strength for 1St Valley Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, 1St Valley Credit Union has increased its total deposits by $888,000, resulting in 3% 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 1St Valley 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. 1St Valley Credit Union has $35.04 million in assets with $4.37 million in equity, resulting in a capitalization level of 12.47%, which is excellent.

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