Lutheran Credit Union Of America

Lutheran Credit Union Of America is headquartered in Brea and is the 264^th largest credit union in the state of California. It is also the 3,031^st largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 5 employees and 1,748 members. Lutheran Credit Union Of America's savings rates are 54% higher than the national average, and it boasts a 5-star health rating.

Lutheran Credit Union Of America Routing Number: 322284779

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Data for Q4 2011

Institution Statistics LUTHERAN CREDIT UNION OF AMERICA NCUA # 97074 BankRate Report View Year Chartered 1975 Employees 5 Primary Regulator Assets and Liabilities Assets $28.26 million Loans $14.64 million Deposits $25.55 million Equity Capital $2.47 million Loan Loss Allowance $168,000 Unbacked Noncurrent Loans $185,000 Historic Data - December 2010 Assets $27.46 million Equity Capital $2.59 million Loan Loss Allowance $139,000 Unbacked Noncurrent Loans $57,000 Profit Margin - Quarterly Net Interest Margin 5.74% Return on Assets -0.41% Return on Equity -4.69% Interest Income $1.06 million Non-Interest Income $239,000

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 Lutheran Credit Union Of America had $185,000 in non-current loans and owned real-estate with $2.64 million in equity and loan loss allowances on hand to cover it. This gives Lutheran Credit Union Of America a Texas Ratio of 7.01% 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 Lutheran Credit Union Of America held steady from 2.09% as of December 31, 2010 to 7.01% as of December 31, 2011, resulting in a negative change of 235.26%. This indicates that the balance sheet and financial strength for Lutheran Credit Union Of America has held steady in recent periods. Deposit Growth In the past year, Lutheran Credit Union Of America has increased its total deposits by $869,000, resulting in 3.52% 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 Lutheran Credit Union Of America 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. Lutheran Credit Union Of America has $28.26 million in assets with $2.64 million in equity, resulting in a capitalization level of 9.34%, which is average.

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