Amicus

6103 N Astor Street
Spokane, WA 99208
800.627.9728
www.amicus.coop

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Amicus is headquartered in Spokane and is the 87^th largest credit union in the state of Washington. It is also the 4,339^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 4 employees and 1,088 members. Amicus' savings rates are 3X the national average, and it boasts a 5-star health rating.

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

Amicus Checking Account Rates

	Apy	Min	Max	Product
	0.25%	$300	-	Divident Checking

Amicus Savings Account Rates

Apy	Min	Max	Product
1.51%	$1k	-	Traditional IRA Shares
1.51%	$1k	-	Roth IRA Shares
1.51%	$1k	-	Educational IRA Shares
0.50%	-	-	Christmas Club
0.25%	$50	-	Primary Shares
0.25%	$50	-	Sub Shares

Amicus Money Market Rates

	Apy	Min	Max	Product
	0.75%	$50k	-	Money Market Account

Amicus CD Rates

Apy	Min	Max	Product
1.00%	$2,500	-	48 Month Term CD
1.00%	$2,500	-	60 Month Term CD
0.75%	$2,500	-	36 Month Term CD
0.50%	$2,500	-	24 Month Term CD
0.25%	$500	-	6 Month Term CD
0.25%	$500	-	12 Month Term CD

Amicus IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	48 Month Term IRA
1.00%	$500	-	60 Month Term IRA
1.00%	$500	-	48 Month Term Roth IRA
1.00%	$500	-	60 Month Term Roth IRA
1.00%	$500	-	48 Month Term Educational IRA
1.00%	$500	-	60 Month Term Educational IRA
0.75%	$500	-	36 Month Term IRA
0.75%	$500	-	36 Month Term Roth IRA
0.75%	$500	-	36 Month Term Educational IRA
0.50%	$500	-	24 Month Term IRA
0.50%	$500	-	24 Month Term Roth IRA
0.50%	$500	-	24 Month Term Educational IRA
0.25%	$500	-	6 Month Term IRA
0.25%	$500	-	12 Month Term IRA
0.25%	$500	-	6 Month Term Roth IRA
0.25%	$500	-	12 Month Term Roth IRA
0.25%	$500	-	6 Month Educational IRA
0.25%	$500	-	12 Month Educational IRA

Rates updated: 5/21/2012

Data for Q4 2011

Institution Statistics

AMICUS
NCUA #	24729
BankRate Report	View
Year Chartered	1964
Employees	4
Primary Regulator
Assets and Liabilities
Assets	$11.93 million
Loans	$7.26 million
Deposits	$10.69 million
Equity Capital	$1.19 million
Loan Loss Allowance	$44,000
Unbacked Noncurrent Loans	$13,000
Historic Data - December 2010
Assets	$11.39 million
Equity Capital	$1.15 million
Loan Loss Allowance	$39,000
Unbacked Noncurrent Loans	$49,000
Profit Margin - Quarterly
Net Interest Margin	5.12%
Return on Assets	0.3%
Return on Equity	3.03%
Interest Income	$503,000
Non-Interest Income	$128,000

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 Amicus had $13,000 in non-current loans and owned real-estate with $1.23 million in equity and loan loss allowances on hand to cover it. This gives Amicus a Texas Ratio of 1.06% 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 Amicus decreased significantly from 4.12% as of December 31, 2010 to 1.06% as of December 31, 2011, resulting in a positive change of 74.35%.This indicates that the balance sheet and financial strength for Amicus has improved significantly in recent periods.
Deposit Growth
In the past year, Amicus has increased its total deposits by $547,000, resulting in 5.39% 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 Amicus has shown is excellent.
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. Amicus has $11.93 million in assets with $1.23 million in equity, resulting in a capitalization level of 10.32%, which is above average.

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