California State & Fed Emp #20 Credit Union

California State & Fed Emp #20 Credit Union is headquartered in Eureka and is the 134^th largest credit union in the state of California. It is also the 1,259^th largest credit union in the nation. It was established in 1951 and as of December of 2012, it had grown to 7 employees and 4,155 members. California State & Fed Emp #20 Credit Union's savings rates are 25% higher than the national average, and it boasts a 5-star health rating.

California State & Fed Emp #20 Credit Union Savings Account Rates

Data for Q4 2012

Institution Statistics CALIFORNIA STATE & FED EMP #20 NCUA # 61933 BankRate Report View Year Chartered 1951 Employees 7 Primary Regulator Assets and Liabilities Assets $125.28 million Loans $28.82 million Deposits $109.10 million Equity Capital $15.99 million Loan Loss Allowance $242,000 Unbacked Noncurrent Loans $5,000 Historic Data - December 2011 Assets $123.31 million Equity Capital $15.20 million Loan Loss Allowance $269,000 Unbacked Noncurrent Loans $41,000 Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.47% Return on Equity 3.68% Interest Income $1.77 million Non-Interest Income $111,000

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 State & Fed Emp #20 Credit Union had $5,000 in non-current loans and owned real-estate with $16.23 million in equity and loan loss allowances on hand to cover it. This gives California State & Fed Emp #20 Credit Union a Texas Ratio of 0.03% 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 State & Fed Emp #20 Credit Union decreased significantly from 0.27% as of December 31, 2011 to 0.03% as of December 31, 2012, resulting in a positive change of 88.38%.This indicates that the balance sheet and financial strength for California State & Fed Emp #20 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, California State & Fed Emp #20 Credit Union has increased its total deposits by $1.19 million, resulting in 1.1% 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 State & Fed Emp #20 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 State & Fed Emp #20 Credit Union has $125.28 million in assets with $16.23 million in equity, resulting in a capitalization level of 12.96%, which is excellent.

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