Northwest Community CU (OR)

Northwest Community CU (OR) is headquartered in Eugene and is the 8^th largest credit union in the state of Oregon. It is also the 291^st largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 236 employees and 72,926 members. Northwest Community CU (OR) has a 5-star health rating.

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Data for Q4 2011

Institution Statistics NORTHWEST COMMUNITY NCUA # 61716 BankRate Report View Year Chartered 1949 Employees 236 Primary Regulator Assets and Liabilities Assets $688.11 million Loans $573.31 million Deposits $618.66 million Equity Capital $66.05 million Loan Loss Allowance $6.18 million Unbacked Noncurrent Loans $5.94 million Real Estate Owned $871,000 Historic Data - December 2010 Assets $645.34 million Equity Capital $59.16 million Loan Loss Allowance $6.55 million Unbacked Noncurrent Loans $4.99 million Real Estate Owned $2.40 million Profit Margin - Quarterly Net Interest Margin 5.75% Return on Assets 0.92% Return on Equity 9.55% Interest Income $34.57 million Non-Interest Income $7.46 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 December 31, 2011 Northwest Community CU (OR) had $6.81 million in non-current loans and owned real-estate with $72.23 million in equity and loan loss allowances on hand to cover it. This gives Northwest Community CU (OR) a Texas Ratio of 9.42% 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 Northwest Community CU (OR) decreased slightly from 11.24% as of December 31, 2010 to 9.42% as of December 31, 2011, resulting in a positive change of 16.19%.This indicates that the balance sheet and financial strength for Northwest Community CU (OR) has improved slightly in recent periods. Deposit Growth In the past year, Northwest Community CU (OR) has increased its total deposits by $36.41 million, resulting in 6.25% 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 Northwest Community CU (OR) 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. Northwest Community CU (OR) has $688.11 million in assets with $72.23 million in equity, resulting in a capitalization level of 10.50%, which is above average.

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