Partner Credit Union

Partner Credit Union is headquartered in ARVADA and is the 13^st largest credit union in the state of Colorado. It is also the 806^th largest credit union in the nation. It was established in 1931 and as of December of 2011, it had grown to 73 employees and 23,767 members. Partner Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics PARTNER COLORADO NCUA # 62903 BankRate Report View Year Chartered 1931 Employees 73 Primary Regulator Assets and Liabilities Assets $221.61 million Loans $120.11 million Deposits $190.00 million Equity Capital $30.29 million Loan Loss Allowance $2.53 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $1.20 million Historic Data - December 2010 Assets $217.07 million Equity Capital $28.85 million Loan Loss Allowance $2.69 million Unbacked Noncurrent Loans $1.13 million Real Estate Owned $1.23 million Profit Margin - Quarterly Net Interest Margin 6.37% Return on Assets 0.54% Return on Equity 3.94% Interest Income $8.81 million Non-Interest Income $3.91 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, 2011 Partner Credit Union had $2.97 million in non-current loans and owned real-estate with $32.81 million in equity and loan loss allowances on hand to cover it. This gives Partner Credit Union a Texas Ratio of 9.04% 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 Partner Credit Union held steady from 7.48% as of December 31, 2010 to 9.04% as of December 31, 2011, resulting in a negative change of 20.82%. This indicates that the balance sheet and financial strength for Partner Credit Union has held steady in recent periods. Deposit Growth In the past year, Partner Credit Union has increased its total deposits by $2.98 million, resulting in 1.6% 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 Partner Credit Union has shown is above 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. Partner Credit Union has $221.61 million in assets with $32.81 million in equity, resulting in a capitalization level of 14.81%, which is excellent.

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