Atchison Village Credit Union

Atchison Village Credit Union is headquartered in RICHMOND and is the 362^nd largest credit union in the state of California. It is also the 5,184^th largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 3 employees and 1,160 members. Atchison Village Credit Union has a 4-star health rating.

Atchison Village Credit Union Routing Number: 321174880

Data for Q4 2011

Institution Statistics ATCHISON VILLAGE NCUA # 63630 BankRate Report View Year Chartered 1959 Employees 3 Primary Regulator Assets and Liabilities Assets $6.67 million Loans $3.39 million Deposits $5.82 million Equity Capital $829,000 Loan Loss Allowance $236,000 Unbacked Noncurrent Loans $280,000 Historic Data - December 2010 Assets $6.84 million Equity Capital $960,000 Loan Loss Allowance $154,000 Unbacked Noncurrent Loans $506,000 Profit Margin - Quarterly Net Interest Margin 10.31% Return on Assets -1.95% Return on Equity -15.68% Interest Income $434,000 Non-Interest Income $17,000

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 Atchison Village Credit Union had $280,000 in non-current loans and owned real-estate with $1.06 million in equity and loan loss allowances on hand to cover it. This gives Atchison Village Credit Union a Texas Ratio of 26.29% 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 Atchison Village Credit Union decreased significantly from 45.42% as of December 31, 2010 to 26.29% as of December 31, 2011, resulting in a positive change of 42.12%.This indicates that the balance sheet and financial strength for Atchison Village Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Atchison Village Credit Union has decreased its total deposits by $-55,000, resulting in -0.94% 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 Atchison Village 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. Atchison Village Credit Union has $6.67 million in assets with $1.06 million in equity, resulting in a capitalization level of 15.96%, which is excellent.

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