Airco Credit Union

Airco Credit Union is headquartered in GLENDALE and is the 323^rd largest credit union in the state of California. It is also the 4,220^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 3 employees and 1,175 members. Airco Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

Airco Credit Union Checking Account Rates

Airco Credit Union Savings Account Rates

Airco Credit Union CD Rates

Data for Q4 2011

Institution Statistics AIRCO NCUA # 11917 BankRate Report View Year Chartered 1957 Employees 3 Primary Regulator Assets and Liabilities Assets $12.92 million Loans $2.52 million Deposits $11.79 million Equity Capital $1.12 million Loan Loss Allowance $88,000 Unbacked Noncurrent Loans $122,000 Historic Data - December 2010 Assets $15.94 million Equity Capital $1.09 million Loan Loss Allowance $31,000 Unbacked Noncurrent Loans $30,000 Profit Margin - Quarterly Net Interest Margin 7.44% Return on Assets 0.26% Return on Equity 2.95% Interest Income $434,000 Non-Interest Income $38,000

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 Airco Credit Union had $122,000 in non-current loans and owned real-estate with $1.21 million in equity and loan loss allowances on hand to cover it. This gives Airco Credit Union a Texas Ratio of 10.10% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Airco Credit Union increased slightly from 2.69% as of December 31, 2010 to 10.10% as of December 31, 2011, resulting in a negative change of 276.03%. This indicates that the balance sheet and financial strength for Airco Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Airco Credit Union has decreased its total deposits by -$3.05 million, resulting in -20.54% 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 Airco Credit Union has shown is poor. 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. Airco Credit Union has $12.92 million in assets with $1.21 million in equity, resulting in a capitalization level of 9.35%, which is average.

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