Community C.U. Of So. Humboldt Credit Union

Community C.U. Of So. Humboldt Credit Union is headquartered in GARBERVILLE and is the 204^th largest credit union in the state of California. It is also the 2,123^rd largest credit union in the nation. It was established in 1980 and as of December of 2011, it had grown to 18 employees and 4,923 members. Community C.U. Of So. Humboldt Credit Union has a 5-star health rating.

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Community C.U. Of So. Humboldt Credit Union Savings Account Rates

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Data for Q4 2011

Institution Statistics COMMUNITY C.U. OF SO. HUMBOLDT NCUA # 65388 BankRate Report View Year Chartered 1980 Employees 18 Primary Regulator Assets and Liabilities Assets $55.23 million Loans $37.12 million Deposits $48.19 million Equity Capital $5.55 million Loan Loss Allowance $202,000 Unbacked Noncurrent Loans $272,000 Real Estate Owned $525,000 Historic Data - December 2010 Assets $47.74 million Equity Capital $4.99 million Loan Loss Allowance $227,000 Unbacked Noncurrent Loans $494,000 Real Estate Owned $552,000 Profit Margin - Quarterly Net Interest Margin 6.51% Return on Assets 1% Return on Equity 10.01% Interest Income $2.47 million Non-Interest Income $722,000

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, 2011 Community C.U. Of So. Humboldt Credit Union had $797,000 in non-current loans and owned real-estate with $5.75 million in equity and loan loss allowances on hand to cover it. This gives Community C.U. Of So. Humboldt Credit Union a Texas Ratio of 13.87% 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 Community C.U. Of So. Humboldt Credit Union decreased slightly from 20.05% as of December 31, 2010 to 13.87% as of December 31, 2011, resulting in a positive change of 30.84%.This indicates that the balance sheet and financial strength for Community C.U. Of So. Humboldt Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Community C.U. Of So. Humboldt Credit Union has increased its total deposits by $6.24 million, resulting in 14.88% 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 Community C.U. Of So. Humboldt 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. Community C.U. Of So. Humboldt Credit Union has $55.23 million in assets with $5.75 million in equity, resulting in a capitalization level of 10.41%, which is above average.

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