Community First CU (CA)

Community First CU (CA) is headquartered in Santa Rosa and is the 121^st largest credit union in the state of California. It is also the 1,099^th largest credit union in the nation. It was established in 1961 and as of December of 2012, it had grown to 47 employees and 15,627 members. Community First CU (CA)'s savings rates are 14X the national average, and it has a 4-star health rating.

Community First CU (CA) Checking Account Rates

Community First CU (CA) Savings Account Rates

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Community First CU (CA) CD Rates

Data for Q4 2012

Institution Statistics COMMUNITY FIRST NCUA # 67895 BankRate Report View Year Chartered 1961 Employees 47 Primary Regulator Assets and Liabilities Assets $150.63 million Loans $96.63 million Deposits $135.39 million Equity Capital $12.53 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $1.78 million Real Estate Owned $868,000 Historic Data - December 2011 Assets $130.05 million Equity Capital $10.99 million Loan Loss Allowance $1.96 million Unbacked Noncurrent Loans $1.83 million Real Estate Owned $662,000 Profit Margin - Quarterly Net Interest Margin 5.41% Return on Assets 0.87% Return on Equity 10.4% Interest Income $5.70 million Non-Interest Income $2.10 million

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, 2012 Community First CU (CA) had $2.65 million in non-current loans and owned real-estate with $14.27 million in equity and loan loss allowances on hand to cover it. This gives Community First CU (CA) a Texas Ratio of 18.54% 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 Community First CU (CA) held steady from 19.24% as of December 31, 2011 to 18.54% as of December 31, 2012, resulting in a positive change of 3.64%.This indicates that the balance sheet and financial strength for Community First CU (CA) has held steady in recent periods. Deposit Growth In the past year, Community First CU (CA) has increased its total deposits by $18.64 million, resulting in 15.97% 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 First CU (CA) 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 First CU (CA) has $150.63 million in assets with $14.27 million in equity, resulting in a capitalization level of 9.48%, which is average.

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