Downey Credit Union

Downey Credit Union is headquartered in Downey and is the 118^st largest credit union in the state of California. It is also the 970^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 25 employees and 13,109 members. Downey Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics DOWNEY NCUA # 11870 BankRate Report View Year Chartered 1957 Employees 25 Primary Regulator Assets and Liabilities Assets $168.61 million Loans $69.81 million Deposits $146.15 million Equity Capital $20.32 million Loan Loss Allowance $466,000 Unbacked Noncurrent Loans $94,000 Historic Data - December 2010 Assets $158.65 million Equity Capital $19.65 million Loan Loss Allowance $737,000 Unbacked Noncurrent Loans $1.34 million Profit Margin - Quarterly Net Interest Margin 4.63% Return on Assets 0.4% Return on Equity 3.31% Interest Income $5.02 million Non-Interest Income $744,000

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 Downey Credit Union had $94,000 in non-current loans and owned real-estate with $20.78 million in equity and loan loss allowances on hand to cover it. This gives Downey Credit Union a Texas Ratio of 0.45% 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 Downey Credit Union decreased significantly from 6.59% as of December 31, 2010 to 0.45% as of December 31, 2011, resulting in a positive change of 93.14%.This indicates that the balance sheet and financial strength for Downey Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Downey Credit Union has increased its total deposits by $8.66 million, resulting in 6.3% 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 Downey 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. Downey Credit Union has $168.61 million in assets with $20.78 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

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