Harbor Federal Credit Union

Harbor Federal Credit Union is headquartered in CARSON and is the 156^th largest credit union in the state of California. It is also the 1,477^th largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 27 employees and 10,622 members. Harbor Federal Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics HARBOR NCUA # 5593 BankRate Report View Year Chartered 1947 Employees 27 Primary Regulator Assets and Liabilities Assets $94.76 million Loans $31.66 million Deposits $79.23 million Equity Capital $14.18 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $1.66 million Historic Data - December 2010 Assets $89.19 million Equity Capital $13.02 million Loan Loss Allowance $2.58 million Unbacked Noncurrent Loans $2.42 million Profit Margin - Quarterly Net Interest Margin 6.23% Return on Assets 1.23% Return on Equity 8.22% Interest Income $3.18 million Non-Interest Income $1.41 million

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 Harbor Federal Credit Union had $1.66 million in non-current loans and owned real-estate with $16.46 million in equity and loan loss allowances on hand to cover it. This gives Harbor Federal Credit Union a Texas Ratio of 10.08% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Harbor Federal Credit Union decreased slightly from 15.49% as of December 31, 2010 to 10.08% as of December 31, 2011, resulting in a positive change of 34.93%.This indicates that the balance sheet and financial strength for Harbor Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Harbor Federal Credit Union has increased its total deposits by $4.43 million, resulting in 5.93% 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 Harbor Federal 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. Harbor Federal Credit Union has $94.76 million in assets with $16.46 million in equity, resulting in a capitalization level of 17.38%, which is excellent.

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