Fiscal Credit Union

Fiscal Credit Union is headquartered in Glendale and is the 129^th largest credit union in the state of California. It is also the 1,185^th largest credit union in the nation. It was established in 1935 and as of March of 2013, it had grown to 43 employees and 14,752 members. Fiscal Credit Union has a 5-star health rating.

Fiscal Credit Union Routing Number: 322077818

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Data for Q1 2013

Institution Statistics FISCAL NCUA # 97080 BankRate Report View Year Chartered 1935 Employees 43 Primary Regulator Assets and Liabilities Assets $140.05 million Loans $41.91 million Deposits $125.32 million Equity Capital $13.42 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $910,000 Historic Data - March 2012 Assets $137.21 million Equity Capital $14.22 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $1.01 million Profit Margin - Quarterly Net Interest Margin 1.42% Return on Assets -0.47% Return on Equity -4.95% Interest Income $960,000 Non-Interest Income $274,000

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 March 31, 2013 Fiscal Credit Union had $910,000 in non-current loans and owned real-estate with $14.5 million in equity and loan loss allowances on hand to cover it. This gives Fiscal Credit Union a Texas Ratio of 6.28% 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 Fiscal Credit Union held steady from 6.56% as of March 31, 2012 to 6.28% as of March 31, 2013, resulting in a positive change of 4.39%.This indicates that the balance sheet and financial strength for Fiscal Credit Union has held steady in recent periods. Deposit Growth In the past year, Fiscal Credit Union has increased its total deposits by $3.46 million, resulting in 2.84% 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 Fiscal 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. Fiscal Credit Union has $140.05 million in assets with $14.5 million in equity, resulting in a capitalization level of 10.35%, which is above average.

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