Caltech Employees Credit Union

Caltech Employees Credit Union is headquartered in LA CANADA and is the 27^th largest credit union in the state of California. It is also the 159^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 64 employees and 30,248 members. Caltech Employees Credit Union's savings rates are 54% higher than the national average, and it boasts a 5-star health rating.

Caltech Employees Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics CALTECH EMPLOYEES NCUA # 6681 BankRate Report View Year Chartered 1950 Employees 64 Primary Regulator Assets and Liabilities Assets $1.12 billion Loans $271.02 million Deposits $994.74 million Equity Capital $124.13 million Loan Loss Allowance $3.93 million Unbacked Noncurrent Loans $763,000 Real Estate Owned $87,000 Historic Data - December 2010 Assets $1.03 billion Equity Capital $108.16 million Loan Loss Allowance $3.85 million Unbacked Noncurrent Loans $906,000 Real Estate Owned $156,000 Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 0.93% Return on Equity 8.38% Interest Income $33.82 million Non-Interest Income $1.30 million

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 Caltech Employees Credit Union had $850,000 in non-current loans and owned real-estate with $128.06 million in equity and loan loss allowances on hand to cover it. This gives Caltech Employees Credit Union a Texas Ratio of 0.66% 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 Caltech Employees Credit Union decreased slightly from 0.95% as of December 31, 2010 to 0.66% as of December 31, 2011, resulting in a positive change of 30.00%.This indicates that the balance sheet and financial strength for Caltech Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Caltech Employees Credit Union has increased its total deposits by $73.91 million, resulting in 8.03% 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 Caltech Employees Credit Union has shown is excellent. 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. Caltech Employees Credit Union has $1.12 billion in assets with $128.06 million in equity, resulting in a capitalization level of 11.41%, which is above average.

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