ILWU - FSC Credit Union

ILWU - FSC Credit Union is headquartered in Oakland and is the 281^st largest credit union in the state of California. It is also the 3,384^th largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 7 employees and 3,031 members. ILWU - FSC Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics ILWU - FSC NCUA # 22015 BankRate Report View Year Chartered 1975 Employees 7 Primary Regulator Assets and Liabilities Assets $22.36 million Loans $6.75 million Deposits $19.73 million Equity Capital $2.88 million Loan Loss Allowance $188,000 Unbacked Noncurrent Loans $200,000 Historic Data - December 2010 Assets $22.17 million Equity Capital $2.96 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $197,000 Profit Margin - Quarterly Net Interest Margin 8.17% Return on Assets -0.3% Return on Equity -2.36% Interest Income $795,000 Non-Interest Income $308,000

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 ILWU - FSC Credit Union had $200,000 in non-current loans and owned real-estate with $3.07 million in equity and loan loss allowances on hand to cover it. This gives ILWU - FSC Credit Union a Texas Ratio of 6.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for ILWU - FSC Credit Union held steady from 6.05% as of December 31, 2010 to 6.52% as of December 31, 2011, resulting in a negative change of 7.71%. This indicates that the balance sheet and financial strength for ILWU - FSC Credit Union has held steady in recent periods. Deposit Growth In the past year, ILWU - FSC Credit Union has increased its total deposits by $542,000, resulting in 2.82% 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 ILWU - FSC Credit Union has shown is above 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. ILWU - FSC Credit Union has $22.36 million in assets with $3.07 million in equity, resulting in a capitalization level of 13.72%, which is excellent.

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