Fibre Federal Credit Union

Fibre Federal Credit Union is headquartered in Longview and is the 14^st largest credit union in the state of Washington. It is also the 265^th largest credit union in the nation. It was established in 1937 and as of September of 2011, it had grown to 168 employees and 67,696 members. Fibre Federal Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

Fibre Federal Credit Union Routing Number: 323380766

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Data for Q3 2011

Institution Statistics FIBRE NCUA # 2191 BankRate Report View Year Established 1937 Employees 168 Primary Regulator Assets and Liabilities Assets $734.57 million Loans $340.50 million Deposits $618.14 million Equity Capital $111.94 million Loan Loss Allowance $5.99 million Unbacked Noncurrent Loans $4.55 million Real Estate Owned $1.43 million Historic Data - September 2010 Assets $722.90 million Equity Capital $113.08 million Loan Loss Allowance $5.22 million Unbacked Noncurrent Loans $4.15 million Real Estate Owned $339,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.18% Return on Equity 1.17% Interest Income $20.53 million Non-Interest Income $4.91 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 September 30, 2011 Fibre Federal Credit Union had $5.98 million in non-current loans and owned real-estate with $117.92 million in equity and loan loss allowances on hand to cover it. This gives Fibre Federal Credit Union a Texas Ratio of 5.07% 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 Fibre Federal Credit Union held steady from 3.80% as of September 30, 2010 to 5.07% as of September 30, 2011, resulting in a negative change of 33.55%. This indicates that the balance sheet and financial strength for Fibre Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Fibre Federal Credit Union has increased its total deposits by $12.37 million, resulting in 2.04% 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 Fibre Federal 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. Fibre Federal Credit Union has $734.56 million in assets with $117.92 million in equity, resulting in a capitalization level of 16.05%, which is excellent.

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