Canyon State Credit Union

Canyon State Credit Union is headquartered in PHOENIX and is the 20^th largest credit union in the state of Arizona. It is also the 1,197^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 52 employees and 18,218 members. Canyon State Credit Union has a 4-star health rating.

Canyon State Credit Union Routing Number: 322172849

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Data for Q4 2011

Institution Statistics CANYON STATE NCUA # 68502 BankRate Report View Year Chartered 1951 Employees 52 Primary Regulator Assets and Liabilities Assets $128.93 million Loans $70.02 million Deposits $114.31 million Equity Capital $12.65 million Loan Loss Allowance $3.77 million Unbacked Noncurrent Loans $1.31 million Real Estate Owned $58,000 Historic Data - December 2010 Assets $129.95 million Equity Capital $9.37 million Loan Loss Allowance $6.51 million Unbacked Noncurrent Loans $1.77 million Real Estate Owned $396,000 Profit Margin - Quarterly Net Interest Margin 6.62% Return on Assets 2.54% Return on Equity 25.85% Interest Income $5.22 million Non-Interest Income $3.42 million

Institution Health Overall Score: 4 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 Canyon State Credit Union had $1.36 million in non-current loans and owned real-estate with $16.42 million in equity and loan loss allowances on hand to cover it. This gives Canyon State Credit Union a Texas Ratio of 8.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Canyon State Credit Union decreased slightly from 13.61% as of December 31, 2010 to 8.31% as of December 31, 2011, resulting in a positive change of 38.98%.This indicates that the balance sheet and financial strength for Canyon State Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Canyon State Credit Union has decreased its total deposits by -$4.93 million, resulting in -4.13% 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 Canyon State 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. Canyon State Credit Union has $128.93 million in assets with $16.42 million in equity, resulting in a capitalization level of 12.74%, which is excellent.

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