Evangelical Christian Credit Union

Evangelical Christian Credit Union is headquartered in Brea and is the 29^th largest credit union in the state of California. It is also the 178^th largest credit union in the nation. It was established in 1964 and as of December of 2012, it had grown to 268 employees and 12,029 members. Evangelical Christian Credit Union's savings rates are 35% higher than the national average, but it has a 2-star health rating.

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Evangelical Christian Credit Union Savings Account Rates

Data for Q4 2012

Institution Statistics EVANGELICAL CHRISTIAN NCUA # 63837 BankRate Report View Year Chartered 1964 Employees 268 Primary Regulator Assets and Liabilities Assets $1.08 billion Loans $818.58 million Deposits $807.96 million Equity Capital $89.17 million Loan Loss Allowance $20.99 million Unbacked Noncurrent Loans $63.11 million Real Estate Owned $38.88 million Historic Data - December 2011 Assets $1.15 billion Equity Capital $88.00 million Loan Loss Allowance $20.62 million Unbacked Noncurrent Loans $78.12 million Real Estate Owned $33.11 million Profit Margin - Quarterly Net Interest Margin 5.35% Return on Assets 0.22% Return on Equity 2.69% Interest Income $53.64 million Non-Interest Income $10.24 million

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, 2012 Evangelical Christian Credit Union had $101.99 million in non-current loans and owned real-estate with $110.16 million in equity and loan loss allowances on hand to cover it. This gives Evangelical Christian Credit Union a Texas Ratio of 92.58% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Evangelical Christian Credit Union held steady from 102.40% as of December 31, 2011 to 92.58% as of December 31, 2012, resulting in a positive change of 9.59%.This indicates that the balance sheet and financial strength for Evangelical Christian Credit Union has held steady in recent periods. Deposit Growth In the past year, Evangelical Christian Credit Union has increased its total deposits by $3.6 million, resulting in 0.45% 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 Evangelical Christian 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. Evangelical Christian Credit Union has $1.08 billion in assets with $110.16 million in equity, resulting in a capitalization level of 10.16%, which is above average.

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