County Schools Credit Union

County Schools Credit Union is headquartered in VENTURA and is the 211^st largest credit union in the state of California. It is also the 2,239^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 13 employees and 7,000 members. County Schools Credit Union's savings rates are 44% higher than the national average, but it has a 2-star health rating.

County Schools Credit Union Savings Account Rates

County Schools Credit Union CD Rates

County Schools Credit Union IRA Rates

Data for Q4 2011

Institution Statistics COUNTY SCHOOLS NCUA # 13495 BankRate Report View Year Chartered 1960 Employees 13 Primary Regulator Assets and Liabilities Assets $49.91 million Loans $44.32 million Deposits $45.57 million Equity Capital $3.48 million Loan Loss Allowance $896,000 Unbacked Noncurrent Loans $1.88 million Historic Data - December 2010 Assets $48.52 million Equity Capital $2.66 million Loan Loss Allowance $586,000 Unbacked Noncurrent Loans $839,000 Profit Margin - Quarterly Net Interest Margin 6.99% Return on Assets 1.64% Return on Equity 23.5% Interest Income $3.39 million Non-Interest Income $675,000

Institution Health Overall Score: 2 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 County Schools Credit Union had $1.88 million in non-current loans and owned real-estate with $4.37 million in equity and loan loss allowances on hand to cover it. This gives County Schools Credit Union a Texas Ratio of 43.01% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for County Schools Credit Union increased slightly from 25.84% as of December 31, 2010 to 43.01% as of December 31, 2011, resulting in a negative change of 66.47%. This indicates that the balance sheet and financial strength for County Schools Credit Union has declined slightly in recent periods. Deposit Growth In the past year, County Schools Credit Union has increased its total deposits by $222,000, resulting in 0.49% 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 County Schools Credit Union has shown is average. 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. County Schools Credit Union has $49.91 million in assets with $4.37 million in equity, resulting in a capitalization level of 8.76%, which is average.

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