Dow Great Western Credit Union

Dow Great Western Credit Union is headquartered in ANTIOCH and is the 224^th largest credit union in the state of California. It is also the 2,589^th largest credit union in the nation. It was established in 1938 and as of March of 2013, it had grown to 8 employees and 2,366 members. Dow Great Western Credit Union has a 4-star health rating.

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Data for Q1 2013

Institution Statistics DOW GREAT WESTERN NCUA # 64503 BankRate Report View Year Chartered 1938 Employees 8 Primary Regulator Assets and Liabilities Assets $40.09 million Loans $23.90 million Deposits $36.00 million Equity Capital $3.88 million Loan Loss Allowance $661,000 Unbacked Noncurrent Loans $325,000 Historic Data - March 2012 Assets $40.44 million Equity Capital $3.95 million Loan Loss Allowance $582,000 Unbacked Noncurrent Loans $13,000 Profit Margin - Quarterly Net Interest Margin 1.09% Return on Assets 0.22% Return on Equity 2.27% Interest Income $342,000 Non-Interest Income $40,000

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 March 31, 2013 Dow Great Western Credit Union had $325,000 in non-current loans and owned real-estate with $4.54 million in equity and loan loss allowances on hand to cover it. This gives Dow Great Western Credit Union a Texas Ratio of 7.16% 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 Dow Great Western Credit Union increased slightly from 0.29% as of March 31, 2012 to 7.16% as of March 31, 2013, resulting in a negative change of 2,396.14%. This indicates that the balance sheet and financial strength for Dow Great Western Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Dow Great Western Credit Union has decreased its total deposits by $-373,000, resulting in -1.03% 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 Dow Great Western 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. Dow Great Western Credit Union has $40.09 million in assets with $4.54 million in equity, resulting in a capitalization level of 11.32%, which is above average.

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