Fresno County Credit Union

Fresno County Credit Union is headquartered in FRESNO and is the 72^nd largest credit union in the state of California. It is also the 440^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 149 employees and 47,154 members. Fresno County Credit Union's savings rates are 94% higher than the national average, and it has a 4-star health rating.

Fresno County Credit Union Checking Account Rates

Fresno County Credit Union Savings Account Rates

Fresno County Credit Union Money Market Rates

Fresno County Credit Union CD Rates

Fresno County Credit Union IRA Rates

Data for Q4 2011

Institution Statistics FRESNO COUNTY NCUA # 24552 BankRate Report View Year Chartered 1941 Employees 149 Primary Regulator Assets and Liabilities Assets $443.16 million Loans $243.92 million Deposits $396.61 million Equity Capital $44.69 million Loan Loss Allowance $14.47 million Unbacked Noncurrent Loans $7.93 million Real Estate Owned $2.92 million Historic Data - December 2010 Assets $418.51 million Equity Capital $39.09 million Loan Loss Allowance $15.87 million Unbacked Noncurrent Loans $11.45 million Real Estate Owned $3.16 million Profit Margin - Quarterly Net Interest Margin 5.99% Return on Assets 0.58% Return on Equity 5.71% Interest Income $19.55 million Non-Interest Income $7.35 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 Fresno County Credit Union had $10.85 million in non-current loans and owned real-estate with $59.16 million in equity and loan loss allowances on hand to cover it. This gives Fresno County Credit Union a Texas Ratio of 18.34% 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 Fresno County Credit Union decreased slightly from 26.59% as of December 31, 2010 to 18.34% as of December 31, 2011, resulting in a positive change of 31.01%.This indicates that the balance sheet and financial strength for Fresno County Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Fresno County Credit Union has increased its total deposits by $19.4 million, resulting in 5.14% 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 Fresno County 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. Fresno County Credit Union has $443.16 million in assets with $59.16 million in equity, resulting in a capitalization level of 13.35%, which is excellent.

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