Cal State L.A. Credit Union

Cal State L.A. Credit Union is headquartered in LOS ANGELES and is the 224^th largest credit union in the state of California. It is also the 2,441^st largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 13 employees and 4,945 members. Cal State L.A. Credit Union has a 2-star health rating.

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Data for Q4 2011

Institution Statistics CAL STATE L.A. NCUA # 14499 BankRate Report View Year Chartered 1961 Employees 13 Primary Regulator Assets and Liabilities Assets $43.12 million Loans $30.78 million Deposits $39.53 million Equity Capital $3.38 million Loan Loss Allowance $669,000 Unbacked Noncurrent Loans $915,000 Historic Data - December 2010 Assets $45.75 million Equity Capital $3.26 million Loan Loss Allowance $481,000 Unbacked Noncurrent Loans $204,000 Profit Margin - Quarterly Net Interest Margin 6.88% Return on Assets 0.29% Return on Equity 3.7% Interest Income $2.49 million Non-Interest Income $440,000

Institution Health Overall Score: 2 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 Cal State L.A. Credit Union had $915,000 in non-current loans and owned real-estate with $4.05 million in equity and loan loss allowances on hand to cover it. This gives Cal State L.A. Credit Union a Texas Ratio of 22.60% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cal State L.A. Credit Union increased slightly from 5.46% as of December 31, 2010 to 22.60% as of December 31, 2011, resulting in a negative change of 313.86%. This indicates that the balance sheet and financial strength for Cal State L.A. Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Cal State L.A. Credit Union has decreased its total deposits by -$2.72 million, resulting in -6.44% 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 Cal State L.A. 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. Cal State L.A. Credit Union has $43.12 million in assets with $4.05 million in equity, resulting in a capitalization level of 9.39%, which is average.

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