America's Christian Credit Union

America's Christian Credit Union is headquartered in GLENDORA and is the 97^th largest credit union in the state of California. It is also the 725^th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 76 employees and 30,569 members. America's Christian Credit Union's savings rates are 73% higher than the national average, but it has a 2-star health rating.

America's Christian Credit Union Routing Number: 322283767

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Data for Q4 2011

Institution Statistics AMERICA'S CHRISTIAN NCUA # 68062 BankRate Report View Year Chartered 1973 Employees 76 Primary Regulator Assets and Liabilities Assets $250.24 million Loans $194.39 million Deposits $210.10 million Equity Capital $21.80 million Loan Loss Allowance $3.36 million Unbacked Noncurrent Loans $7.29 million Real Estate Owned $954,000 Historic Data - December 2010 Assets $251.29 million Equity Capital $20.70 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $3.04 million Real Estate Owned $642,000 Profit Margin - Quarterly Net Interest Margin 6.16% Return on Assets 0.47% Return on Equity 5.39% Interest Income $15.11 million Non-Interest Income $3.71 million

Institution Health Overall Score: 2 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 America's Christian Credit Union had $8.24 million in non-current loans and owned real-estate with $25.16 million in equity and loan loss allowances on hand to cover it. This gives America's Christian Credit Union a Texas Ratio of 32.76% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for America's Christian Credit Union increased slightly from 15.70% as of December 31, 2010 to 32.76% as of December 31, 2011, resulting in a negative change of 108.67%. This indicates that the balance sheet and financial strength for America's Christian Credit Union has declined slightly in recent periods. Deposit Growth In the past year, America's Christian Credit Union has decreased its total deposits by -$3.12 million, resulting in -1.46% 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 America's Christian 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. America's Christian Credit Union has $250.24 million in assets with $25.16 million in equity, resulting in a capitalization level of 10.06%, which is above average.

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