AFTRA-SAG Credit Union

P.O. Box 11419
Burbank, CA 91510
(818) 562-3400
www.aftrasagfcu.org

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AFTRA-SAG Credit Union is headquartered in Burbank and is the 104^th largest credit union in the state of California. It is also the 853^rd largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 52 employees and 26,894 members. AFTRA-SAG Credit Union has a 4-star health rating.

VERY Surprising Action By A Credit Union (Forum) - 11/25/2010

Article in today's Los Angeles Times tells of the AFTRA-SAG Federal Credit Union in the Los Angeles area asking its larger depositors this week to please withdraw money. AFTRA-SAG credit union asks members to withdraw some funds | Company Town | L

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See Rates for: Checking | Savings | Money Market | CD | IRA

AFTRA-SAG Credit Union Checking Account Rates

Apy	Min	Max	Product
0.01%	$1k	-	Performance Checking
0.01%	-	-	Young Performer Checking

AFTRA-SAG Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$250	-	Primary Savings
0.10%	$250	-	Additional Savings
0.10%	$50	-	IRA
0.10%	$50	-	Roth IRA
0.10%	$50	-	Coogan Savings
0.10%	$50	-	Young Performer Savings
0.01%	-	-	Health Savings (HSA)

AFTRA-SAG Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.10%	-	-	Money Market

AFTRA-SAG Credit Union CD Rates

Apy	Min	Max	Product
0.90%	$10k	-	60 Month Coogan Certificate
0.90%	$10k	-	60 Month Share Certificate
0.80%	$10k	-	48 Month Coogan Certificate
0.80%	$10k	-	48 Month Share Certificate
0.70%	$10k	-	36 Month Coogan Certificate
0.70%	$10k	-	36 Month Share Certificate
0.40%	$10k	-	24 Month Coogan Certificate
0.40%	$10k	-	24 Month Share Certificate
0.30%	$10k	-	12 Month Coogan Certificate
0.30%	$10k	-	12 Month Share Certificate
0.20%	$10k	-	6 Month Coogan Certificate
0.20%	$10k	-	6 Month Share Certificate

AFTRA-SAG Credit Union IRA Rates

Apy	Min	Max	Product
0.90%	$10k	-	60 Month IRA Certificate
0.90%	$10k	-	60 Month Roth IRA Certificate
0.80%	$10k	-	48 Month IRA Certificate
0.80%	$10k	-	48 Month Roth IRA Certificate
0.70%	$10k	-	36 Month IRA Certificate
0.70%	$10k	-	36 Month Roth IRA Certificate
0.40%	$10k	-	24 Month IRA Certificate
0.40%	$10k	-	24 Month Roth IRA Certificate
0.30%	$10k	-	12 Month IRA Certificate
0.30%	$10k	-	12 Month Roth IRA Certificate
0.20%	$10k	-	6 Month IRA Certificate
0.20%	$10k	-	6 Month Roth IRA Certificate

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

AFTRA-SAG
NCUA #	15317
BankRate Report	View
Year Chartered	1962
Employees	52
Primary Regulator
Assets and Liabilities
Assets	$202.05 million
Loans	$89.13 million
Deposits	$183.29 million
Equity Capital	$14.63 million
Loan Loss Allowance	$1.88 million
Unbacked Noncurrent Loans	$2.68 million
Real Estate Owned	$966,000
Historic Data - December 2010
Assets	$194.15 million
Equity Capital	$13.84 million
Loan Loss Allowance	$2.64 million
Unbacked Noncurrent Loans	$10.22 million
Profit Margin - Quarterly
Net Interest Margin	5.59%
Return on Assets	0.25%
Return on Equity	3.4%
Interest Income	$6.98 million
Non-Interest Income	$2.54 million

Institution Health

Overall Score:

4 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 AFTRA-SAG Credit Union had $3.65 million in non-current loans and owned real-estate with $16.51 million in equity and loan loss allowances on hand to cover it. This gives AFTRA-SAG Credit Union a Texas Ratio of 22.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for AFTRA-SAG Credit Union decreased significantly from 62.02% as of December 31, 2010 to 22.11% as of December 31, 2011, resulting in a positive change of 64.36%.This indicates that the balance sheet and financial strength for AFTRA-SAG Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, AFTRA-SAG Credit Union has increased its total deposits by $6.97 million, resulting in 3.95% 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 AFTRA-SAG 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. AFTRA-SAG Credit Union has $202.05 million in assets with $16.51 million in equity, resulting in a capitalization level of 8.17%, which is average.