F & A Credit Union

F & A Credit Union is headquartered in MONTEREY PARK and is the 24^th largest credit union in the state of California. It is also the 149^th largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 69 employees and 44,030 members. F & A Credit Union's savings rates are 6X the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics F & A NCUA # 1493 BankRate Report View Year Chartered 1936 Employees 69 Primary Regulator Assets and Liabilities Assets $1.23 billion Loans $255.29 million Deposits $1.05 billion Equity Capital $180.92 million Loan Loss Allowance $4.37 million Unbacked Noncurrent Loans $1.74 million Historic Data - December 2011 Assets $1.17 billion Equity Capital $171.64 million Loan Loss Allowance $4.61 million Unbacked Noncurrent Loans $2.65 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 0.72% Return on Equity 4.91% Interest Income $30.37 million Non-Interest Income $5.78 million

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, 2012 F & A Credit Union had $1.74 million in non-current loans and owned real-estate with $185.28 million in equity and loan loss allowances on hand to cover it. This gives F & A Credit Union a Texas Ratio of 0.94% 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 F & A Credit Union decreased slightly from 1.50% as of December 31, 2011 to 0.94% as of December 31, 2012, resulting in a positive change of 37.72%.This indicates that the balance sheet and financial strength for F & A Credit Union has improved slightly in recent periods. Deposit Growth In the past year, F & A Credit Union has increased its total deposits by $66.26 million, resulting in 6.74% 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 F & A 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. F & A Credit Union has $1.23 billion in assets with $185.28 million in equity, resulting in a capitalization level of 15.03%, which is excellent.

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