Ibew Members + Credit Union

Ibew Members + Credit Union is headquartered in Martinez and is the 302^nd largest credit union in the state of California. It is also the 3,717^st largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 3 employees and 2,007 members. Ibew Members + Credit Union has a 2-star health rating.

Ibew Members + Credit Union Routing Number: 321174521

Ibew Members + Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics IBEW MEMBERS + NCUA # 64555 BankRate Report View Year Chartered 1953 Employees 3 Primary Regulator Assets and Liabilities Assets $18.05 million Loans $6.70 million Deposits $16.90 million Equity Capital $1.14 million Loan Loss Allowance $555,000 Unbacked Noncurrent Loans $316,000 Real Estate Owned $242,000 Historic Data - December 2010 Assets $21.76 million Equity Capital $1.37 million Loan Loss Allowance $655,000 Unbacked Noncurrent Loans $882,000 Profit Margin - Quarterly Net Interest Margin 5.76% Return on Assets -0.87% Return on Equity -13.75% Interest Income $727,000 Non-Interest Income $75,000

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 Ibew Members + Credit Union had $558,000 in non-current loans and owned real-estate with $1.7 million in equity and loan loss allowances on hand to cover it. This gives Ibew Members + Credit Union a Texas Ratio of 32.88% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ibew Members + Credit Union decreased slightly from 43.56% as of December 31, 2010 to 32.88% as of December 31, 2011, resulting in a positive change of 24.51%.This indicates that the balance sheet and financial strength for Ibew Members + Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Ibew Members + Credit Union has decreased its total deposits by -$3.47 million, resulting in -17.04% 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 Ibew Members + 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. Ibew Members + Credit Union has $18.05 million in assets with $1.7 million in equity, resulting in a capitalization level of 9.40%, which is average.

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