Cabrillo Credit Union

Cabrillo Credit Union is headquartered in San Diego and is the 112^st largest credit union in the state of California. It is also the 903^rd largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 57 employees and 23,947 members. Cabrillo Credit Union has a 5-star health rating.

Cabrillo Credit Union Routing Number: 322274488

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Data for Q4 2012

Institution Statistics CABRILLO NCUA # 68409 BankRate Report View Year Chartered 1955 Employees 57 Primary Regulator Assets and Liabilities Assets $195.84 million Loans $115.24 million Deposits $172.17 million Equity Capital $21.46 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $342,000 Historic Data - December 2011 Assets $185.04 million Equity Capital $18.07 million Loan Loss Allowance $2.73 million Unbacked Noncurrent Loans $554,000 Real Estate Owned $724,000 Profit Margin - Quarterly Net Interest Margin 5.99% Return on Assets 1.73% Return on Equity 15.79% Interest Income $7.68 million Non-Interest Income $4.13 million

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, 2012 Cabrillo Credit Union had $342,000 in non-current loans and owned real-estate with $22.96 million in equity and loan loss allowances on hand to cover it. This gives Cabrillo Credit Union a Texas Ratio of 1.49% 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 Cabrillo Credit Union decreased significantly from 6.15% as of December 31, 2011 to 1.49% as of December 31, 2012, resulting in a positive change of 75.76%.This indicates that the balance sheet and financial strength for Cabrillo Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Cabrillo Credit Union has increased its total deposits by $9.43 million, resulting in 5.79% 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 Cabrillo Credit Union has shown is excellent. 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. Cabrillo Credit Union has $195.84 million in assets with $22.96 million in equity, resulting in a capitalization level of 11.72%, which is above average.

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