Great Basin Credit Union

Great Basin Credit Union is headquartered in RENO and is the 9^th largest credit union in the state of Nevada. It is also the 1,400^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 35 employees and 14,845 members. Great Basin Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics GREAT BASIN NCUA # 7063 BankRate Report View Year Chartered 1951 Employees 35 Primary Regulator Assets and Liabilities Assets $103.37 million Loans $79.19 million Deposits $94.68 million Equity Capital $7.60 million Loan Loss Allowance $2.49 million Unbacked Noncurrent Loans $1.80 million Historic Data - December 2010 Assets $99.84 million Equity Capital $5.51 million Loan Loss Allowance $4.07 million Unbacked Noncurrent Loans $2.24 million Real Estate Owned $215,000 Profit Margin - Quarterly Net Interest Margin 6.12% Return on Assets 2.02% Return on Equity 27.45% Interest Income $5.41 million Non-Interest Income $1.39 million

Institution Health Overall Score: 3 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 Great Basin Credit Union had $1.8 million in non-current loans and owned real-estate with $10.09 million in equity and loan loss allowances on hand to cover it. This gives Great Basin Credit Union a Texas Ratio of 17.88% 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 Great Basin Credit Union decreased slightly from 25.57% as of December 31, 2010 to 17.88% as of December 31, 2011, resulting in a positive change of 30.09%.This indicates that the balance sheet and financial strength for Great Basin Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Great Basin Credit Union has increased its total deposits by $595,000, resulting in 0.63% 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 Great Basin 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. Great Basin Credit Union has $103.37 million in assets with $10.09 million in equity, resulting in a capitalization level of 9.76%, which is average.

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