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 1,228^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 7 employees and 4,263 members. California State & Fed Emp #20 Credit Union's savings rates are 44% 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 2011

Institution Statistics CALIFORNIA STATE & FED EMP #20 NCUA # 61933 BankRate Report View Year Chartered 1951 Employees 7 Primary Regulator Assets and Liabilities Assets $123.31 million Loans $29.83 million Deposits $107.91 million Equity Capital $15.20 million Loan Loss Allowance $269,000 Unbacked Noncurrent Loans $41,000 Historic Data - December 2010 Assets $118.46 million Equity Capital $13.16 million Loan Loss Allowance $251,000 Unbacked Noncurrent Loans $52,000 Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets -0.18% Return on Equity -1.43% Interest Income $2.68 million Non-Interest Income ($997,000)

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, 2011 California State & Fed Emp #20 Credit Union had $41,000 in non-current loans and owned real-estate with $15.46 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 0.27% 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 slightly from 0.39% as of December 31, 2010 to 0.27% as of December 31, 2011, resulting in a positive change of 31.63%.This indicates that the balance sheet and financial strength for California State & Fed Emp #20 Credit Union has improved slightly in recent periods. Deposit Growth In the past year, California State & Fed Emp #20 Credit Union has increased its total deposits by $2.74 million, resulting in 2.6% 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 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 $123.31 million in assets with $15.46 million in equity, resulting in a capitalization level of 12.54%, which is excellent.

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