Inland Empire Credit Union

Inland Empire Credit Union is headquartered in POMONA and is the 236^th largest credit union in the state of California. It is also the 2,604^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 10 employees and 5,699 members. Inland Empire Credit Union has a 4-star health rating.

Inland Empire Credit Union Routing Number: 322280922

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Data for Q4 2011

Institution Statistics INLAND EMPIRE NCUA # 68400 BankRate Report View Year Chartered 1937 Employees 10 Primary Regulator Assets and Liabilities Assets $37.76 million Loans $16.10 million Deposits $34.05 million Equity Capital $3.13 million Loan Loss Allowance $854,000 Unbacked Noncurrent Loans $466,000 Historic Data - December 2010 Assets $37.73 million Equity Capital $3.68 million Loan Loss Allowance $806,000 Unbacked Noncurrent Loans $882,000 Profit Margin - Quarterly Net Interest Margin 6.15% Return on Assets -1.63% Return on Equity -19.71% Interest Income $1.37 million Non-Interest Income $489,000

Institution Health Overall Score: 4 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 Inland Empire Credit Union had $466,000 in non-current loans and owned real-estate with $3.98 million in equity and loan loss allowances on hand to cover it. This gives Inland Empire Credit Union a Texas Ratio of 11.69% 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 Inland Empire Credit Union decreased significantly from 19.64% as of December 31, 2010 to 11.69% as of December 31, 2011, resulting in a positive change of 40.47%.This indicates that the balance sheet and financial strength for Inland Empire Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Inland Empire Credit Union has increased its total deposits by $712,000, resulting in 2.14% 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 Inland Empire 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. Inland Empire Credit Union has $37.76 million in assets with $3.98 million in equity, resulting in a capitalization level of 10.55%, which is above average.

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