Columbia Community Credit Union

Columbia Community Credit Union is headquartered in Vancouver and is the 10^st largest credit union in the state of Washington. It is also the 228^th largest credit union in the nation. It was established in 1952 and as of December of 2012, it had grown to 223 employees and 76,306 members. Columbia Community Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics COLUMBIA COMMUNITY NCUA # 68186 BankRate Report View Year Chartered 1952 Employees 223 Primary Regulator Assets and Liabilities Assets $890.95 million Loans $633.15 million Deposits $782.40 million Equity Capital $95.47 million Loan Loss Allowance $15.05 million Unbacked Noncurrent Loans $8.25 million Real Estate Owned $6.91 million Historic Data - December 2011 Assets $815.71 million Equity Capital $81.58 million Loan Loss Allowance $18.21 million Unbacked Noncurrent Loans $10.48 million Real Estate Owned $12.17 million Profit Margin - Quarterly Net Interest Margin 4.53% Return on Assets 1.49% Return on Equity 13.89% Interest Income $32.99 million Non-Interest Income $14.81 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, 2012 Columbia Community Credit Union had $15.15 million in non-current loans and owned real-estate with $110.52 million in equity and loan loss allowances on hand to cover it. This gives Columbia Community Credit Union a Texas Ratio of 13.71% 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 Columbia Community Credit Union decreased slightly from 22.70% as of December 31, 2011 to 13.71% as of December 31, 2012, resulting in a positive change of 39.60%.This indicates that the balance sheet and financial strength for Columbia Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Columbia Community Credit Union has increased its total deposits by $59.9 million, resulting in 8.29% 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 Columbia Community 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. Columbia Community Credit Union has $890.94 million in assets with $110.52 million in equity, resulting in a capitalization level of 12.41%, which is excellent.

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