First Imperial Credit Union

First Imperial Credit Union is headquartered in El Centro and is the 181^st largest credit union in the state of California. It is also the 1,895^th largest credit union in the nation. It was established in 1942 and as of December of 2012, it had grown to 20 employees and 13,706 members. First Imperial Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

First Imperial Credit Union Routing Number: 322276305

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Data for Q4 2012

Institution Statistics FIRST IMPERIAL NCUA # 68356 BankRate Report View Year Chartered 1942 Employees 20 Primary Regulator Assets and Liabilities Assets $67.88 million Loans $48.16 million Deposits $60.11 million Equity Capital $6.71 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $978,000 Historic Data - December 2011 Assets $67.65 million Equity Capital $6.50 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $348,000 Profit Margin - Quarterly Net Interest Margin 8.36% Return on Assets 0.74% Return on Equity 7.53% Interest Income $4.40 million Non-Interest Income $1.13 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, 2012 First Imperial Credit Union had $978,000 in non-current loans and owned real-estate with $8.06 million in equity and loan loss allowances on hand to cover it. This gives First Imperial Credit Union a Texas Ratio of 12.13% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Imperial Credit Union increased slightly from 4.59% as of December 31, 2011 to 12.13% as of December 31, 2012, resulting in a negative change of 164.37%. This indicates that the balance sheet and financial strength for First Imperial Credit Union has declined slightly in recent periods. Deposit Growth In the past year, First Imperial Credit Union has decreased its total deposits by $-210,000, resulting in -0.35% 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 Imperial Credit Union has shown is 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. First Imperial Credit Union has $67.88 million in assets with $8.06 million in equity, resulting in a capitalization level of 11.88%, which is above average.