Antioch Community Credit Union

Antioch Community Credit Union is headquartered in Antioch and is the 264^th largest credit union in the state of California. It is also the 3,243^rd largest credit union in the nation. It was established in 1959 and as of March of 2013, it had grown to 6 employees and 1,837 members. Antioch Community Credit Union has a 3-star health rating.

Antioch Community Credit Union Savings Account Rates

Antioch Community Credit Union Money Market Rates

Data for Q1 2013

Institution Statistics ANTIOCH COMMUNITY NCUA # 13261 BankRate Report View Year Chartered 1959 Employees 6 Primary Regulator Assets and Liabilities Assets $25.09 million Loans $12.52 million Deposits $23.13 million Equity Capital $1.90 million Loan Loss Allowance $698,000 Unbacked Noncurrent Loans $722,000 Real Estate Owned $375,000 Historic Data - March 2012 Assets $25.30 million Equity Capital $2.01 million Loan Loss Allowance $743,000 Unbacked Noncurrent Loans $748,000 Profit Margin - Quarterly Net Interest Margin 1.24% Return on Assets 0% Return on Equity 0% Interest Income $174,000 Non-Interest Income $15,000

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 March 31, 2013 Antioch Community Credit Union had $1.1 million in non-current loans and owned real-estate with $2.6 million in equity and loan loss allowances on hand to cover it. This gives Antioch Community Credit Union a Texas Ratio of 42.19% 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 Antioch Community Credit Union increased slightly from 27.13% as of March 31, 2012 to 42.19% as of March 31, 2013, resulting in a negative change of 55.51%. This indicates that the balance sheet and financial strength for Antioch Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Antioch Community Credit Union has decreased its total deposits by $-98,000, resulting in -0.42% 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 Antioch Community Credit Union has shown is 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. Antioch Community Credit Union has $25.09 million in assets with $2.6 million in equity, resulting in a capitalization level of 10.36%, which is above average.

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