Community West Credit Union

Community West Credit Union is headquartered in Kentwood and is the 78^th largest credit union in the state of Michigan. It is also the 1,328^th largest credit union in the nation. It was established in 1967 and as of September of 2011, it had grown to 32 employees and 13,575 members. Community West Credit Union has a 5-star health rating.

Community West Credit Union Routing Number: 272480995

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Data for Q3 2011

Institution Statistics COMMUNITY WEST NCUA # 61677 BankRate Report View Year Established 1967 Employees 32 Primary Regulator Assets and Liabilities Assets $111.50 million Loans $81.48 million Deposits $93.99 million Equity Capital $13.45 million Loan Loss Allowance $941,000 Unbacked Noncurrent Loans $658,000 Real Estate Owned $190,000 Historic Data - September 2010 Assets $105.37 million Equity Capital $13.07 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $988,000 Real Estate Owned $59,000 Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.34% Return on Equity 2.82% Interest Income $3.79 million Non-Interest Income $999,000

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 September 30, 2011 Community West Credit Union had $848,000 in non-current loans and owned real-estate with $14.39 million in equity and loan loss allowances on hand to cover it. This gives Community West Credit Union a Texas Ratio of 5.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community West Credit Union decreased slightly from 7.39% as of September 30, 2010 to 5.89% as of September 30, 2011, resulting in a positive change of 20.30%.This indicates that the balance sheet and financial strength for Community West Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Community West Credit Union has increased its total deposits by $6.91 million, resulting in 7.94% 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 West 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 West Credit Union has $111.5 million in assets with $14.39 million in equity, resulting in a capitalization level of 12.91%, which is excellent.

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