Greater Oregon Credit Union

Greater Oregon Credit Union is headquartered in BURNS and is the 48^th largest credit union in the state of Oregon. It is also the 2,712^st largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 16 employees and 3,395 members. Greater Oregon Credit Union has a 2-star health rating.

Data for Q4 2011

Institution Statistics GREATER OREGON NCUA # 4196 BankRate Report View Year Chartered 1940 Employees 16 Primary Regulator Assets and Liabilities Assets $35.20 million Loans $23.86 million Deposits $33.56 million Equity Capital $1.45 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $2.46 million Real Estate Owned $236,000 Historic Data - December 2010 Assets $40.22 million Equity Capital $2.03 million Loan Loss Allowance $483,000 Unbacked Noncurrent Loans $3.16 million Real Estate Owned $158,000 Profit Margin - Quarterly Net Interest Margin 8.55% Return on Assets -1.64% Return on Equity -39.94% Interest Income $2.28 million Non-Interest Income $204,000

Institution Health Overall Score: 2 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 Greater Oregon Credit Union had $2.69 million in non-current loans and owned real-estate with $2.82 million in equity and loan loss allowances on hand to cover it. This gives Greater Oregon Credit Union a Texas Ratio of 95.29% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Greater Oregon Credit Union decreased slightly from 132.14% as of December 31, 2010 to 95.29% as of December 31, 2011, resulting in a positive change of 27.89%.This indicates that the balance sheet and financial strength for Greater Oregon Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Greater Oregon Credit Union has decreased its total deposits by -$4.56 million, resulting in -11.95% 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 Greater Oregon Credit Union has shown is poor. 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. Greater Oregon Credit Union has $35.2 million in assets with $2.82 million in equity, resulting in a capitalization level of 8.02%, which is average.

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