Coast-Tel Credit Union

Coast-Tel Credit Union is headquartered in Salinas and is the 307^th largest credit union in the state of California. It is also the 4,060^th largest credit union in the nation. It was established in 1959 and as of December of 2012, it had grown to 4 employees and 3,111 members. Coast-Tel Credit Union has a 2-star health rating.

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Data for Q4 2012

Institution Statistics COAST-TEL NCUA # 13090 BankRate Report View Year Chartered 1959 Employees 4 Primary Regulator Assets and Liabilities Assets $14.04 million Loans $6.62 million Deposits $13.10 million Equity Capital $837,000 Loan Loss Allowance $55,000 Unbacked Noncurrent Loans $37,000 Real Estate Owned $325,000 Historic Data - December 2011 Assets $14.70 million Equity Capital $783,000 Loan Loss Allowance $68,000 Unbacked Noncurrent Loans $28,000 Real Estate Owned $325,000 Profit Margin - Quarterly Net Interest Margin 5.98% Return on Assets 0.41% Return on Equity 6.81% Interest Income $453,000 Non-Interest Income $335,000

Institution Health Overall Score: 2 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, 2012 Coast-Tel Credit Union had $362,000 in non-current loans and owned real-estate with $892,000 in equity and loan loss allowances on hand to cover it. This gives Coast-Tel Credit Union a Texas Ratio of 40.58% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Coast-Tel Credit Union held steady from 41.48% as of December 31, 2011 to 40.58% as of December 31, 2012, resulting in a positive change of 2.16%.This indicates that the balance sheet and financial strength for Coast-Tel Credit Union has held steady in recent periods. Deposit Growth In the past year, Coast-Tel Credit Union has decreased its total deposits by $-668,000, resulting in -4.85% 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 Coast-Tel 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. Coast-Tel Credit Union has $14.04 million in assets with $892,000 in equity, resulting in a capitalization level of 6.35%, which is below average.

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