Linn - Co Credit Union

Linn - Co Credit Union is headquartered in Lebanon and is the 35^th largest credit union in the state of Oregon. It is also the 1,883^rd largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 34 employees and 12,054 members. Linn - Co Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics LINN - CO NCUA # 10779 BankRate Report View Year Chartered 1956 Employees 34 Primary Regulator Assets and Liabilities Assets $66.38 million Loans $50.45 million Deposits $61.35 million Equity Capital $6.04 million Loan Loss Allowance $897,000 Unbacked Noncurrent Loans $1.27 million Historic Data - December 2010 Assets $63.63 million Equity Capital $4.68 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $894,000 Real Estate Owned $139,000 Profit Margin - Quarterly Net Interest Margin 8.49% Return on Assets 2.05% Return on Equity 22.51% Interest Income $4.75 million Non-Interest Income $941,000

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 Linn - Co Credit Union had $1.26 million in non-current loans and owned real-estate with $6.94 million in equity and loan loss allowances on hand to cover it. This gives Linn - Co Credit Union a Texas Ratio of 18.23% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Linn - Co Credit Union held steady from 17.80% as of December 31, 2010 to 18.23% as of December 31, 2011, resulting in a negative change of 2.38%. This indicates that the balance sheet and financial strength for Linn - Co Credit Union has held steady in recent periods. Deposit Growth In the past year, Linn - Co Credit Union has increased its total deposits by $2.66 million, resulting in 4.53% 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 Linn - Co 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. Linn - Co Credit Union has $66.38 million in assets with $6.94 million in equity, resulting in a capitalization level of 10.45%, which is above average.

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