Antelope Valley Credit Union

Antelope Valley Credit Union is headquartered in LANCASTER and is the 155^th largest credit union in the state of California. It is also the 1,474^th largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 32 employees and 14,701 members. Antelope Valley Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics ALL VALLEY NCUA # 13057 BankRate Report View Year Chartered 1959 Employees 32 Primary Regulator Assets and Liabilities Assets $95.05 million Loans $67.97 million Deposits $89.36 million Equity Capital $4.92 million Loan Loss Allowance $862,000 Unbacked Noncurrent Loans $803,000 Real Estate Owned $408,000 Historic Data - December 2010 Assets $83.72 million Equity Capital $5.28 million Loan Loss Allowance $892,000 Unbacked Noncurrent Loans $2.04 million Profit Margin - Quarterly Net Interest Margin 6.3% Return on Assets -0.38% Return on Equity -7.32% Interest Income $5.15 million Non-Interest Income $1.50 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 Antelope Valley Credit Union had $1.21 million in non-current loans and owned real-estate with $5.78 million in equity and loan loss allowances on hand to cover it. This gives Antelope Valley Credit Union a Texas Ratio of 20.95% 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 Antelope Valley Credit Union decreased slightly from 33.12% as of December 31, 2010 to 20.95% as of December 31, 2011, resulting in a positive change of 36.76%.This indicates that the balance sheet and financial strength for Antelope Valley Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Antelope Valley Credit Union has increased its total deposits by $12.11 million, resulting in 15.67% 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 Antelope Valley Credit Union 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. Antelope Valley Credit Union has $95.05 million in assets with $5.78 million in equity, resulting in a capitalization level of 6.08%, which is below average.

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