Food Industries Credit Union

Food Industries Credit Union is headquartered in Eugene and is the 52^nd largest credit union in the state of Oregon. It is also the 3,171^st largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 6 employees and 3,625 members. Food Industries Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Food Industries Credit Union Routing Number: 323283944

Food Industries Credit Union Savings Account Rates

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Data for Q4 2011

Institution Statistics FOOD INDUSTRIES NCUA # 63476 BankRate Report View Year Chartered 1963 Employees 6 Primary Regulator Assets and Liabilities Assets $25.60 million Loans $16.81 million Deposits $20.13 million Equity Capital $5.22 million Loan Loss Allowance $146,000 Unbacked Noncurrent Loans $10,000 Historic Data - December 2010 Assets $25.66 million Equity Capital $5.53 million Loan Loss Allowance $157,000 Profit Margin - Quarterly Net Interest Margin 6.06% Return on Assets -1.21% Return on Equity -5.95% Interest Income $1.08 million Non-Interest Income $86,000

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 December 31, 2011 Food Industries Credit Union had $10,000 in non-current loans and owned real-estate with $5.37 million in equity and loan loss allowances on hand to cover it. This gives Food Industries Credit Union a Texas Ratio of 0.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Food Industries Credit Union has increased its total deposits by $213,000, resulting in 1.07% 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 Food Industries 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. Food Industries Credit Union has $25.6 million in assets with $5.37 million in equity, resulting in a capitalization level of 20.97%, which is excellent.

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