Financial Center Credit Union

Financial Center Credit Union is headquartered in STOCKTON and is the 90^th largest credit union in the state of California. It is also the 600^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 97 employees and 32,018 members. Financial Center Credit Union has a 5-star health rating.

Financial Center Credit Union Routing Number: 321177803

Data for Q4 2011

Institution Statistics FINANCIAL CENTER NCUA # 60463 BankRate Report View Year Chartered 1954 Employees 97 Primary Regulator Assets and Liabilities Assets $326.53 million Loans $160.13 million Deposits $236.24 million Equity Capital $82.69 million Loan Loss Allowance $4.67 million Unbacked Noncurrent Loans $1.90 million Real Estate Owned $411,000 Historic Data - December 2010 Assets $303.38 million Equity Capital $77.21 million Loan Loss Allowance $4.51 million Unbacked Noncurrent Loans $1.69 million Profit Margin - Quarterly Net Interest Margin 8.35% Return on Assets 1.28% Return on Equity 5.06% Interest Income $15.96 million Non-Interest Income $5.34 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, 2011 Financial Center Credit Union had $2.31 million in non-current loans and owned real-estate with $87.36 million in equity and loan loss allowances on hand to cover it. This gives Financial Center Credit Union a Texas Ratio of 2.65% 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 Financial Center Credit Union held steady from 2.07% as of December 31, 2010 to 2.65% as of December 31, 2011, resulting in a negative change of 27.79%. This indicates that the balance sheet and financial strength for Financial Center Credit Union has held steady in recent periods. Deposit Growth In the past year, Financial Center Credit Union has increased its total deposits by $17.33 million, resulting in 7.92% 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 Financial Center 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. Financial Center Credit Union has $326.53 million in assets with $87.36 million in equity, resulting in a capitalization level of 26.75%, which is excellent.

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