Comunidad Latina Credit Union

Comunidad Latina Credit Union is headquartered in SANTA ANA and is the 388^th largest credit union in the state of California. It is also the 6,020^th largest credit union in the nation. It was established in 2006 and as of December of 2011, it had grown to 3 employees and 1,849 members. Comunidad Latina Credit Union has a 5-star health rating.

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Comunidad Latina Credit Union CD Rates

Data for Q4 2011

Institution Statistics COMUNIDAD LATINA NCUA # 24776 BankRate Report View Year Chartered 2006 Employees 3 Primary Regulator Assets and Liabilities Assets $3.03 million Loans $2.31 million Deposits $2.49 million Equity Capital $511,000 Loan Loss Allowance $125,000 Unbacked Noncurrent Loans $81,000 Historic Data - December 2010 Assets $2.77 million Equity Capital $363,000 Loan Loss Allowance $106,000 Unbacked Noncurrent Loans $69,000 Profit Margin - Quarterly Net Interest Margin 12.78% Return on Assets 4.85% Return on Equity 28.77% Interest Income $311,000 Non-Interest Income $218,000

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 Comunidad Latina Credit Union had $81,000 in non-current loans and owned real-estate with $636,000 in equity and loan loss allowances on hand to cover it. This gives Comunidad Latina Credit Union a Texas Ratio of 12.74% 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 Comunidad Latina Credit Union held steady from 14.71% as of December 31, 2010 to 12.74% as of December 31, 2011, resulting in a positive change of 13.43%.This indicates that the balance sheet and financial strength for Comunidad Latina Credit Union has held steady in recent periods. Deposit Growth In the past year, Comunidad Latina Credit Union has increased its total deposits by $127,000, resulting in 5.37% 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 Comunidad Latina 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. Comunidad Latina Credit Union has $3.03 million in assets with $636,000 in equity, resulting in a capitalization level of 20.98%, which is excellent.

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