CAHP Credit Union

2843 Manlove Road
Sacramento, CA 95207
800-542-2247
www.cahpcu.org

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CAHP Credit Union is headquartered in Sacramento and is the 142^nd largest credit union in the state of California. It is also the 1,314^st largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 26 employees and 13,786 members. CAHP Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

CAHP Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	$1k	-	Superior Share Draft
0.05%	$500	-	Premier Share Draft

CAHP Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$2k	-	Regular Share (RSA)
0.10%	$2k	-	10-7 Security Club
0.10%	$2k	-	Member Named Accounts
0.10%	-	-	Christmas Club
0.10%	-	-	Daily IRA Shares
0.10%	$350	-	Cub Club

CAHP Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$100k	-	MAGNUM Money Market
0.30%	$50k	-	Platinum Money Market
0.20%	$25k	-	Money Market Shares

CAHP Credit Union CD Rates

Apy	Min	Max	Product
1.10%	$500	-	Education Variable-Rate Share Certificate
0.90%	$2k	-	1092 Day Fixed-Rate CD for 10-7 Security Club
0.85%	$2k	-	1092 Day Fixed-Rate CD
0.65%	$2k	-	728 Day Fixed-Rate CD for 10-7 Security Club
0.60%	$2k	-	728 Day Fixed-Rate CD
0.50%	$2k	-	546 Day Fixed-Rate CD for 10-7 Security Club
0.45%	$2k	-	546 Day Fixed-Rate CD
0.40%	$2k	-	364 Day Fixed-Rate CD for 10-7 Security Club
0.35%	$2k	-	364 Day Fixed-Rate CD
0.30%	$2k	-	273 Day Fixed-Rate CD for 10-7 Security Club
0.25%	$2k	-	273 Day Fixed-Rate CD
0.25%	$2k	-	182 Day Fixed-Rate CD for 10-7 Security Club
0.20%	$2k	-	182 Day Fixed-Rate CD
0.20%	$2k	-	91 Day Fixed-Rate CD for 10-7 Security Club
0.15%	$2k	-	91 Day Fixed-Rate CD

CAHP Credit Union IRA Rates

Apy	Min	Max	Product
1.81%	$25k	-	728 Day IRA Variable Certificate for 10-7 Security Club
1.60%	$200k	-	728 Day Variable-Rate IRA
1.10%	$200k	-	364 Day Variable-Rate IRA
0.75%	$2k	-	728 Day Fixed-Rate IRA for 10-7 Security Club
0.70%	$2k	-	728 Day Fixed-Rate IRA
0.60%	$2k	-	546 Day Fixed-Rate IRA for 10-7 Security Club
0.55%	$2k	-	546 Day Fixed-Rate IRA
0.50%	$2k	-	364 Day Fixed-Rate IRA for 10-7 Security Club
0.50%	$2k	-	728 Day IRA Variable Certificate
0.45%	$2k	-	364 Day Fixed-Rate IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

CAHP
NCUA #	95071
BankRate Report	View
Year Chartered	1969
Employees	26
Primary Regulator
Assets and Liabilities
Assets	$112.89 million
Loans	$47.07 million
Deposits	$102.98 million
Equity Capital	$8.08 million
Loan Loss Allowance	$841,000
Unbacked Noncurrent Loans	$328,000
Historic Data - December 2010
Assets	$110.86 million
Equity Capital	$8.12 million
Loan Loss Allowance	$947,000
Unbacked Noncurrent Loans	$358,000
Profit Margin - Quarterly
Net Interest Margin	6.7%
Return on Assets	-0.04%
Return on Equity	-0.49%
Interest Income	$4.15 million
Non-Interest Income	$823,000

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 CAHP Credit Union had $328,000 in non-current loans and owned real-estate with $8.92 million in equity and loan loss allowances on hand to cover it. This gives CAHP Credit Union a Texas Ratio of 3.68% 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 CAHP Credit Union held steady from 3.95% as of December 31, 2010 to 3.68% as of December 31, 2011, resulting in a positive change of 6.90%.This indicates that the balance sheet and financial strength for CAHP Credit Union has held steady in recent periods.
Deposit Growth
In the past year, CAHP Credit Union has increased its total deposits by $2.32 million, resulting in 2.3% 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 CAHP 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. CAHP Credit Union has $112.88 million in assets with $8.92 million in equity, resulting in a capitalization level of 7.90%, which is below average.