Capitol View Credit Union

Capitol View Credit Union is headquartered in Des Moines and is the 43^rd largest credit union in the state of Iowa. It is also the 3,162^nd largest credit union in the nation. It was established in 1944 and as of December of 2011, it had grown to 6 employees and 1,920 members. Capitol View Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Capitol View Credit Union Routing Number: 273074135

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Data for Q4 2011

Institution Statistics CAPITOL VIEW NCUA # 62878 BankRate Report View Year Chartered 1944 Employees 6 Primary Regulator Assets and Liabilities Assets $25.75 million Loans $18.64 million Deposits $21.68 million Equity Capital $4.07 million Loan Loss Allowance $292,000 Unbacked Noncurrent Loans $165,000 Real Estate Owned $282,000 Historic Data - December 2010 Assets $24.90 million Equity Capital $3.97 million Loan Loss Allowance $182,000 Unbacked Noncurrent Loans $189,000 Real Estate Owned $187,000 Profit Margin - Quarterly Net Interest Margin 4.56% Return on Assets 0.36% Return on Equity 2.29% Interest Income $1.12 million Non-Interest Income $320,000

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 Capitol View Credit Union had $447,000 in non-current loans and owned real-estate with $4.36 million in equity and loan loss allowances on hand to cover it. This gives Capitol View Credit Union a Texas Ratio of 10.25% 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 Capitol View Credit Union held steady from 9.05% as of December 31, 2010 to 10.25% as of December 31, 2011, resulting in a negative change of 13.35%. This indicates that the balance sheet and financial strength for Capitol View Credit Union has held steady in recent periods. Deposit Growth In the past year, Capitol View Credit Union has increased its total deposits by $849,000, resulting in 4.08% 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 Capitol View 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. Capitol View Credit Union has $25.75 million in assets with $4.36 million in equity, resulting in a capitalization level of 16.93%, which is excellent.

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