First American Credit Union

First American Credit Union is headquartered in Casa Grande and is the 23^rd largest credit union in the state of Arizona. It is also the 1,539^th largest credit union in the nation. It was established in 1962 and as of December of 2012, it had grown to 34 employees and 20,447 members. First American Credit Union has a 5-star health rating.

First American Credit Union Routing Number: 322173181

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Data for Q4 2012

Institution Statistics FIRST AMERICAN NCUA # 64412 BankRate Report View Year Chartered 1962 Employees 34 Primary Regulator Assets and Liabilities Assets $91.80 million Loans $36.29 million Deposits $83.62 million Equity Capital $7.06 million Loan Loss Allowance $240,000 Unbacked Noncurrent Loans $253,000 Historic Data - December 2011 Assets $84.20 million Equity Capital $8.17 million Loan Loss Allowance $414,000 Unbacked Noncurrent Loans $57,000 Profit Margin - Quarterly Net Interest Margin 5.62% Return on Assets -0.48% Return on Equity -6.29% Interest Income $2.63 million Non-Interest Income $3.15 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 First American Credit Union had $253,000 in non-current loans and owned real-estate with $7.3 million in equity and loan loss allowances on hand to cover it. This gives First American Credit Union a Texas Ratio of 3.47% 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 First American Credit Union held steady from 0.66% as of December 31, 2011 to 3.47% as of December 31, 2012, resulting in a negative change of 422.21%. This indicates that the balance sheet and financial strength for First American Credit Union has held steady in recent periods. Deposit Growth In the past year, First American Credit Union has increased its total deposits by $10.11 million, resulting in 13.76% 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 First American 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. First American Credit Union has $91.8 million in assets with $7.3 million in equity, resulting in a capitalization level of 7.95%, which is below average.

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