California Community Credit Union

California Community Credit Union is headquartered in Sacramento and is the 213^st largest credit union in the state of California. It is also the 2,341^st largest credit union in the nation. It was established in 1939 and as of December of 2012, it had grown to 15 employees and 7,149 members. California Community Credit Union has a 5-star health rating.

California Community Credit Union Routing Number: 321175643

California Community Credit Union Checking Account Rates

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Data for Q4 2012

Institution Statistics CALIFORNIA COMMUNITY NCUA # 68321 BankRate Report View Year Chartered 1939 Employees 15 Primary Regulator Assets and Liabilities Assets $46.91 million Loans $20.82 million Deposits $40.02 million Equity Capital $6.69 million Loan Loss Allowance $909,000 Unbacked Noncurrent Loans $119,000 Real Estate Owned $195,000 Historic Data - December 2011 Assets $47.44 million Equity Capital $6.56 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $451,000 Profit Margin - Quarterly Net Interest Margin 6.23% Return on Assets 0.28% Return on Equity 1.97% Interest Income $1.41 million Non-Interest Income $316,000

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, 2012 California Community Credit Union had $314,000 in non-current loans and owned real-estate with $7.6 million in equity and loan loss allowances on hand to cover it. This gives California Community Credit Union a Texas Ratio of 4.13% 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 California Community Credit Union decreased slightly from 5.89% as of December 31, 2011 to 4.13% as of December 31, 2012, resulting in a positive change of 29.86%.This indicates that the balance sheet and financial strength for California Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, California Community Credit Union has decreased its total deposits by $-649,000, resulting in -1.6% 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 Community Credit Union has shown is below 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 Community Credit Union has $46.91 million in assets with $7.6 million in equity, resulting in a capitalization level of 16.20%, which is excellent.

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