Farmers Insurance Group Credit Union

Farmers Insurance Group Credit Union is headquartered in Los Angeles and is the 58^th largest credit union in the state of California. It is also the 335^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 157 employees and 41,344 members. Farmers Insurance Group Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics FARMERS INSURANCE GROUP NCUA # 1074 BankRate Report View Year Chartered 1936 Employees 157 Primary Regulator Assets and Liabilities Assets $582.93 million Loans $485.74 million Deposits $503.86 million Equity Capital $72.63 million Loan Loss Allowance $12.98 million Unbacked Noncurrent Loans $16.55 million Real Estate Owned $1.15 million Historic Data - December 2010 Assets $582.38 million Equity Capital $64.15 million Loan Loss Allowance $16.82 million Unbacked Noncurrent Loans $10.21 million Real Estate Owned $1.30 million Profit Margin - Quarterly Net Interest Margin 5.12% Return on Assets 1.44% Return on Equity 11.6% Interest Income $29.90 million Non-Interest Income $7.39 million

Institution Health Overall Score: 3 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 Farmers Insurance Group Credit Union had $17.7 million in non-current loans and owned real-estate with $85.61 million in equity and loan loss allowances on hand to cover it. This gives Farmers Insurance Group Credit Union a Texas Ratio of 20.67% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers Insurance Group Credit Union increased slightly from 14.22% as of December 31, 2010 to 20.67% as of December 31, 2011, resulting in a negative change of 45.38%. This indicates that the balance sheet and financial strength for Farmers Insurance Group Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Farmers Insurance Group Credit Union has decreased its total deposits by -$9.84 million, resulting in -1.92% 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 Farmers Insurance Group 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. Farmers Insurance Group Credit Union has $582.93 million in assets with $85.61 million in equity, resulting in a capitalization level of 14.69%, which is excellent.

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