A M CU

A M CU is headquartered in GARDENA and is the 290^th largest credit union in the state of California. It is also the 3,521^st largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 7 employees and 5,019 members. A M CU has a 5-star health rating.

Data for Q4 2011

Institution Statistics A M NCUA # 1500 BankRate Report View Year Chartered 1936 Employees 7 Primary Regulator Assets and Liabilities Assets $20.48 million Loans $12.28 million Deposits $18.48 million Equity Capital $1.85 million Loan Loss Allowance $212,000 Unbacked Noncurrent Loans $121,000 Historic Data - December 2010 Assets $20.53 million Equity Capital $2.13 million Loan Loss Allowance $149,000 Unbacked Noncurrent Loans $231,000 Profit Margin - Quarterly Net Interest Margin 6.14% Return on Assets -1.48% Return on Equity -16.34% Interest Income $956,000 Non-Interest Income $255,000

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 A M CU had $121,000 in non-current loans and owned real-estate with $2.07 million in equity and loan loss allowances on hand to cover it. This gives A M CU a Texas Ratio of 5.86% 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 A M CU decreased significantly from 10.12% as of December 31, 2010 to 5.86% as of December 31, 2011, resulting in a positive change of 42.14%.This indicates that the balance sheet and financial strength for A M CU has improved significantly in recent periods. Deposit Growth In the past year, A M CU has increased its total deposits by $248,000, resulting in 1.36% 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 A M CU 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. A M CU has $20.48 million in assets with $2.07 million in equity, resulting in a capitalization level of 10.09%, which is above average.

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