National 1st Credit Union

National 1st Credit Union is headquartered in SANTA CLARA and is the 109^th largest credit union in the state of California. It is also the 874^th largest credit union in the nation. It was established in 1968 and as of September of 2011, it had grown to 33 employees and 13,860 members. National 1st Credit Union's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics NATIONAL 1ST NCUA # 68540 BankRate Report View Year Established 1968 Employees 33 Primary Regulator Assets and Liabilities Assets $192.92 million Loans $108.84 million Deposits $174.11 million Equity Capital $17.47 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $1.14 million Historic Data - September 2010 Assets $185.00 million Equity Capital $18.58 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $2.40 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets -0.87% Return on Equity -9.57% Interest Income $5.12 million Non-Interest Income $1.06 million

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 September 30, 2011 National 1st Credit Union had $1.14 million in non-current loans and owned real-estate with $19.99 million in equity and loan loss allowances on hand to cover it. This gives National 1st Credit Union a Texas Ratio of 5.69% 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 National 1st Credit Union decreased significantly from 11.56% as of September 30, 2010 to 5.69% as of September 30, 2011, resulting in a positive change of 50.75%.This indicates that the balance sheet and financial strength for National 1st Credit Union has improved significantly in recent periods. Deposit Growth In the past year, National 1st Credit Union has increased its total deposits by $9.27 million, resulting in 5.62% 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 National 1st 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. National 1st Credit Union has $192.92 million in assets with $19.99 million in equity, resulting in a capitalization level of 10.36%, which is above average.

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