California Bear Credit Union

California Bear Credit Union is headquartered in Los Angeles and is the 144^th largest credit union in the state of California. It is also the 1,363^rd largest credit union in the nation. It was established in 1933 and as of December of 2011, it had grown to 26 employees and 13,619 members. California Bear Credit Union has a 3-star health rating.

California Bear Credit Union Routing Number: 322077313

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Data for Q4 2011

Institution Statistics CALIFORNIA BEAR NCUA # 68507 BankRate Report View Year Chartered 1933 Employees 26 Primary Regulator Assets and Liabilities Assets $107.32 million Loans $51.20 million Deposits $98.64 million Equity Capital $7.51 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $4.08 million Real Estate Owned $854,000 Historic Data - December 2010 Assets $105.01 million Equity Capital $6.86 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $930,000 Real Estate Owned $301,000 Profit Margin - Quarterly Net Interest Margin 6.24% Return on Assets 0.34% Return on Equity 4.9% Interest Income $4.12 million Non-Interest Income $1.28 million

Institution Health Overall Score: 3 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 California Bear Credit Union had $4.93 million in non-current loans and owned real-estate with $8.97 million in equity and loan loss allowances on hand to cover it. This gives California Bear Credit Union a Texas Ratio of 54.99% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for California Bear Credit Union increased slightly from 14.23% as of December 31, 2010 to 54.99% as of December 31, 2011, resulting in a negative change of 286.48%. This indicates that the balance sheet and financial strength for California Bear Credit Union has declined slightly in recent periods. Deposit Growth In the past year, California Bear Credit Union has increased its total deposits by $1.66 million, resulting in 1.71% 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 California Bear 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. California Bear Credit Union has $107.32 million in assets with $8.97 million in equity, resulting in a capitalization level of 8.36%, which is average.