Deer Valley Credit Union

Deer Valley Credit Union is headquartered in Phoenix and is the 14^st largest credit union in the state of Arizona. It is also the 850^th largest credit union in the nation. It was established in 1971 and as of December of 2011, it had grown to 49 employees and 16,606 members. Deer Valley Credit Union has a 3-star health rating.

Deer Valley Credit Union Routing Number: 322172807

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Data for Q4 2011

Institution Statistics DEER VALLEY NCUA # 68498 BankRate Report View Year Chartered 1971 Employees 49 Primary Regulator Assets and Liabilities Assets $205.59 million Loans $78.42 million Deposits $189.29 million Equity Capital $14.15 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $1.95 million Historic Data - December 2010 Assets $211.69 million Equity Capital $12.48 million Loan Loss Allowance $4.68 million Unbacked Noncurrent Loans $3.91 million Real Estate Owned $246,000 Profit Margin - Quarterly Net Interest Margin 6.98% Return on Assets 0.88% Return on Equity 12.73% Interest Income $6.70 million Non-Interest Income $3.94 million

Institution Health Overall Score: 3 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 Deer Valley Credit Union had $1.95 million in non-current loans and owned real-estate with $16.42 million in equity and loan loss allowances on hand to cover it. This gives Deer Valley Credit Union a Texas Ratio of 11.85% 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 Deer Valley Credit Union decreased significantly from 24.23% as of December 31, 2010 to 11.85% as of December 31, 2011, resulting in a positive change of 51.10%.This indicates that the balance sheet and financial strength for Deer Valley Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Deer Valley Credit Union has decreased its total deposits by -$8.08 million, resulting in -4.1% 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 Deer Valley Credit Union has shown is below 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. Deer Valley Credit Union has $205.59 million in assets with $16.42 million in equity, resulting in a capitalization level of 7.99%, which is below average.

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