Matadors Community Credit Union

Matadors Community Credit Union is headquartered in Northridge and is the 129^th largest credit union in the state of California. It is also the 1,172^nd largest credit union in the nation. It was established in 1963 and as of December of 2012, it had grown to 35 employees and 12,179 members. Matadors Community Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Matadors Community Credit Union Routing Number: 322280278

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Data for Q4 2012

Institution Statistics MATADORS COMMUNITY NCUA # 68483 BankRate Report View Year Chartered 1963 Employees 35 Primary Regulator Assets and Liabilities Assets $138.71 million Loans $99.12 million Deposits $123.89 million Equity Capital $13.58 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $1.72 million Historic Data - December 2011 Assets $129.45 million Equity Capital $13.51 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $961,000 Real Estate Owned $1.51 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.05% Return on Equity 0.54% Interest Income $4.56 million Non-Interest Income $761,000

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, 2012 Matadors Community Credit Union had $1.72 million in non-current loans and owned real-estate with $14.63 million in equity and loan loss allowances on hand to cover it. This gives Matadors Community Credit Union a Texas Ratio of 11.78% 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 Matadors Community Credit Union decreased slightly from 16.80% as of December 31, 2011 to 11.78% as of December 31, 2012, resulting in a positive change of 29.89%.This indicates that the balance sheet and financial strength for Matadors Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Matadors Community Credit Union has increased its total deposits by $9.03 million, resulting in 7.86% 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 Matadors Community Credit Union has shown is excellent. 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. Matadors Community Credit Union has $138.71 million in assets with $14.63 million in equity, resulting in a capitalization level of 10.55%, which is above average.

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