First Community CU (OR)

First Community CU (OR) is headquartered in Coquille and is the 7^th largest credit union in the state of Oregon. It is also the 281^st largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 265 employees and 71,660 members. First Community CU (OR) has a 4-star health rating.

Data for Q4 2011

Institution Statistics FIRST COMMUNITY NCUA # 68530 BankRate Report View Year Chartered 1957 Employees 265 Primary Regulator Assets and Liabilities Assets $709.27 million Loans $422.50 million Deposits $641.80 million Equity Capital $61.78 million Loan Loss Allowance $3.34 million Unbacked Noncurrent Loans $8.51 million Real Estate Owned $1.60 million Historic Data - December 2010 Assets $404.15 million Equity Capital $35.84 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $4.16 million Real Estate Owned $524,000 Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 0.38% Return on Equity 4.4% Interest Income $20.66 million Non-Interest Income $7.39 million

Institution Health Overall Score: 4 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 First Community CU (OR) had $10.11 million in non-current loans and owned real-estate with $65.12 million in equity and loan loss allowances on hand to cover it. This gives First Community CU (OR) a Texas Ratio of 15.52% 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 First Community CU (OR) held steady from 12.24% as of December 31, 2010 to 15.52% as of December 31, 2011, resulting in a negative change of 26.79%. This indicates that the balance sheet and financial strength for First Community CU (OR) has held steady in recent periods. Deposit Growth In the past year, First Community CU (OR) has increased its total deposits by $281.87 million, resulting in 78.31% 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 Community CU (OR) 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 Community CU (OR) has $709.27 million in assets with $65.12 million in equity, resulting in a capitalization level of 9.18%, which is average.

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