C R C Credit Union

C R C Credit Union is headquartered in Norco and is the 355^th largest credit union in the state of California. It is also the 4,933^rd largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 5 employees and 1,952 members. C R C Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics C R C NCUA # 15784 BankRate Report View Year Chartered 1963 Employees 5 Primary Regulator Assets and Liabilities Assets $7.99 million Loans $3.85 million Deposits $6.28 million Equity Capital $1.17 million Loan Loss Allowance $57,000 Unbacked Noncurrent Loans $21,000 Historic Data - December 2010 Assets $7.91 million Equity Capital $1.21 million Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $29,000 Profit Margin - Quarterly Net Interest Margin 9.2% Return on Assets -0.4% Return on Equity -2.73% Interest Income $380,000 Non-Interest Income $194,000

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 R C Credit Union had $21,000 in non-current loans and owned real-estate with $1.23 million in equity and loan loss allowances on hand to cover it. This gives C R C Credit Union a Texas Ratio of 1.71% 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 R C Credit Union decreased slightly from 2.31% as of December 31, 2010 to 1.71% as of December 31, 2011, resulting in a positive change of 26.00%.This indicates that the balance sheet and financial strength for C R C Credit Union has improved slightly in recent periods. Deposit Growth In the past year, C R C Credit Union has increased its total deposits by $103,000, resulting in 1.67% 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 C R C 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. C R C Credit Union has $7.99 million in assets with $1.23 million in equity, resulting in a capitalization level of 15.38%, which is excellent.

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