C B S Employees Credit Union

C B S Employees Credit Union is headquartered in Studio City and is the 299^th largest credit union in the state of California. It is also the 3,674^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 5 employees and 3,557 members. C B S Employees Credit Union has a 5-star health rating.

C B S Employees Credit Union Checking Account Rates

C B S Employees Credit Union Savings Account Rates

C B S Employees Credit Union CD Rates

Data for Q4 2011

Institution Statistics C B S EMPLOYEES NCUA # 14588 BankRate Report View Year Chartered 1961 Employees 5 Primary Regulator Assets and Liabilities Assets $18.57 million Loans $6.47 million Deposits $16.16 million Equity Capital $2.39 million Loan Loss Allowance $37,000 Unbacked Noncurrent Loans $12,000 Historic Data - December 2010 Assets $20.05 million Equity Capital $2.41 million Loan Loss Allowance $50,000 Unbacked Noncurrent Loans $42,000 Profit Margin - Quarterly Net Interest Margin 6.08% Return on Assets -0.14% Return on Equity -1.09% Interest Income $574,000 Non-Interest Income $162,000

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 C B S Employees Credit Union had $12,000 in non-current loans and owned real-estate with $2.42 million in equity and loan loss allowances on hand to cover it. This gives C B S Employees Credit Union a Texas Ratio of 0.50% 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 C B S Employees Credit Union decreased significantly from 1.71% as of December 31, 2010 to 0.50% as of December 31, 2011, resulting in a positive change of 70.96%.This indicates that the balance sheet and financial strength for C B S Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, C B S Employees Credit Union has decreased its total deposits by -$1.45 million, resulting in -8.23% 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 C B S Employees Credit Union has shown is poor. 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. C B S Employees Credit Union has $18.57 million in assets with $2.42 million in equity, resulting in a capitalization level of 13.04%, which is excellent.

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