Ketema Credit Union

Ketema Credit Union is headquartered in EL CAJON and is the 404^th largest credit union in the state of California. It is also the 6,486^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 1 employees and 454 members. Ketema Credit Union has a 3-star health rating.

Ketema Credit Union Savings Account Rates

Ketema Credit Union CD Rates

Data for Q4 2011

Institution Statistics KETEMA NCUA # 11414 BankRate Report View Year Chartered 1956 Employees 1 Primary Regulator Assets and Liabilities Assets $1.58 million Loans $858,000 Deposits $1.45 million Equity Capital $94,000 Loan Loss Allowance $42,000 Unbacked Noncurrent Loans $20,000 Historic Data - December 2010 Assets $1.75 million Equity Capital $154,000 Loan Loss Allowance $26,000 Unbacked Noncurrent Loans $40,000 Profit Margin - Quarterly Net Interest Margin 8.23% Return on Assets -3.11% Return on Equity -52.13% Interest Income $84,000 Non-Interest Income $28,000

Institution Health Overall Score: 3 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 Ketema Credit Union had $20,000 in non-current loans and owned real-estate with $136,000 in equity and loan loss allowances on hand to cover it. This gives Ketema Credit Union a Texas Ratio of 14.71% 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 Ketema Credit Union decreased slightly from 22.22% as of December 31, 2010 to 14.71% as of December 31, 2011, resulting in a positive change of 33.82%.This indicates that the balance sheet and financial strength for Ketema Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Ketema Credit Union has decreased its total deposits by $-131,000, resulting in -8.26% 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 Ketema 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. Ketema Credit Union has $1.58 million in assets with $136,000 in equity, resulting in a capitalization level of 8.63%, which is average.

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