American First Credit Union

American First Credit Union is headquartered in La Habra and is the 67^th largest credit union in the state of California. It is also the 413^st largest credit union in the nation. It was established in 1989 and as of December of 2012, it had grown to 117 employees and 40,310 members. American First Credit Union has a 4-star health rating.

American First Credit Union Routing Number: 322275607

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Data for Q4 2012

Institution Statistics AMERICAN FIRST NCUA # 68485 BankRate Report View Year Chartered 1989 Employees 117 Primary Regulator Assets and Liabilities Assets $500.70 million Loans $269.62 million Deposits $457.93 million Equity Capital $39.10 million Loan Loss Allowance $13.34 million Unbacked Noncurrent Loans $8.93 million Real Estate Owned $1.52 million Historic Data - December 2011 Assets $513.60 million Equity Capital $36.47 million Loan Loss Allowance $16.24 million Unbacked Noncurrent Loans $14.85 million Real Estate Owned $4.07 million Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 0.56% Return on Equity 7.18% Interest Income $16.28 million Non-Interest Income $9.26 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, 2012 American First Credit Union had $10.45 million in non-current loans and owned real-estate with $52.44 million in equity and loan loss allowances on hand to cover it. This gives American First Credit Union a Texas Ratio of 19.93% 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 American First Credit Union decreased significantly from 35.89% as of December 31, 2011 to 19.93% as of December 31, 2012, resulting in a positive change of 44.48%.This indicates that the balance sheet and financial strength for American First Credit Union has improved significantly in recent periods. Deposit Growth In the past year, American First Credit Union has decreased its total deposits by -$14.92 million, resulting in -3.16% 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 American First Credit Union has shown is below 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. American First Credit Union has $500.7 million in assets with $52.44 million in equity, resulting in a capitalization level of 10.47%, which is above average.

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