Chino Credit Union

Chino Credit Union is headquartered in SILVER CITY and is the 25^th largest credit union in the state of New Mexico. It is also the 3,182^nd largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 16 employees and 5,614 members. Chino Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics CHINO NCUA # 9771 BankRate Report View Year Chartered 1954 Employees 16 Primary Regulator Assets and Liabilities Assets $25.41 million Loans $22.24 million Deposits $24.02 million Equity Capital $1.58 million Loan Loss Allowance $303,000 Unbacked Noncurrent Loans $559,000 Historic Data - December 2010 Assets $25.47 million Equity Capital $1.18 million Loan Loss Allowance $374,000 Unbacked Noncurrent Loans $784,000 Profit Margin - Quarterly Net Interest Margin 6.5% Return on Assets 1.56% Return on Equity 25.08% Interest Income $1.55 million Non-Interest Income $328,000

Institution Health Overall Score: 3 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 Chino Credit Union had $559,000 in non-current loans and owned real-estate with $1.88 million in equity and loan loss allowances on hand to cover it. This gives Chino Credit Union a Texas Ratio of 29.70% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Chino Credit Union decreased significantly from 50.39% as of December 31, 2010 to 29.70% as of December 31, 2011, resulting in a positive change of 41.05%.This indicates that the balance sheet and financial strength for Chino Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Chino Credit Union has increased its total deposits by $41,000, resulting in 0.17% 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 Chino Credit Union has shown is 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. Chino Credit Union has $25.41 million in assets with $1.88 million in equity, resulting in a capitalization level of 7.41%, which is below average.

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