Cooperative Center Federal Credit Union

Cooperative Center Federal Credit Union is headquartered in Berkeley and is the 152^nd largest credit union in the state of California. It is also the 1,460^th largest credit union in the nation. It was established in 1942 and as of December of 2012, it had grown to 29 employees and 13,278 members. Cooperative Center Federal Credit Union has a 4-star health rating.

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Data for Q4 2012

Institution Statistics COOPERATIVE CENTER NCUA # 4900 BankRate Report View Year Chartered 1942 Employees 29 Primary Regulator Assets and Liabilities Assets $100.83 million Loans $50.91 million Deposits $92.59 million Equity Capital $5.22 million Secondary Capital $2.80 million Loan Loss Allowance $544,000 Unbacked Noncurrent Loans $831,000 Real Estate Owned $1.46 million Historic Data - December 2011 Assets $94.61 million Equity Capital $4.70 million Loan Loss Allowance $592,000 Unbacked Noncurrent Loans $206,000 Real Estate Owned $1.91 million Profit Margin - Quarterly Net Interest Margin 6.35% Return on Assets 0.52% Return on Equity 9.98% Interest Income $4.02 million Non-Interest Income $1.10 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 Cooperative Center Federal Credit Union had $2.3 million in non-current loans and owned real-estate with $8.57 million in equity and loan loss allowances on hand to cover it. This gives Cooperative Center Federal Credit Union a Texas Ratio of 26.79% 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 Cooperative Center Federal Credit Union decreased slightly from 40.00% as of December 31, 2011 to 26.79% as of December 31, 2012, resulting in a positive change of 33.01%.This indicates that the balance sheet and financial strength for Cooperative Center Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Cooperative Center Federal Credit Union has increased its total deposits by $5.66 million, resulting in 6.52% 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 Cooperative Center Federal 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. Cooperative Center Federal Credit Union has $100.83 million in assets with $5.77 million in equity, resulting in a capitalization level of 5.72%, which is below average.

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