Avista Corp. Credit Union

Avista Corp. Credit Union is headquartered in Spokane and is the 55^th largest credit union in the state of Washington. It is also the 2,254^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 4 employees and 3,338 members. Avista Corp. Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

Avista Corp. Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics AVISTA CORP. NCUA # 68284 BankRate Report View Year Chartered 1934 Employees 4 Primary Regulator Assets and Liabilities Assets $49.32 million Loans $24.38 million Deposits $42.22 million Equity Capital $6.94 million Loan Loss Allowance $108,000 Unbacked Noncurrent Loans $58,000 Real Estate Owned $64,000 Historic Data - December 2010 Assets $48.31 million Equity Capital $6.49 million Loan Loss Allowance $100,000 Unbacked Noncurrent Loans $31,000 Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.92% Return on Equity 6.53% Interest Income $1.79 million Non-Interest Income $20,000

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 Avista Corp. Credit Union had $122,000 in non-current loans and owned real-estate with $7.05 million in equity and loan loss allowances on hand to cover it. This gives Avista Corp. Credit Union a Texas Ratio of 1.73% 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 Avista Corp. Credit Union held steady from 0.47% as of December 31, 2010 to 1.73% as of December 31, 2011, resulting in a negative change of 267.86%. This indicates that the balance sheet and financial strength for Avista Corp. Credit Union has held steady in recent periods. Deposit Growth In the past year, Avista Corp. Credit Union has increased its total deposits by $581,000, resulting in 1.4% 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 Avista Corp. Credit Union has shown is above 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. Avista Corp. Credit Union has $49.32 million in assets with $7.05 million in equity, resulting in a capitalization level of 14.29%, which is excellent.

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