Old West Federal Credit Union

Old West Federal Credit Union is headquartered in John Day and is the 24^th largest credit union in the state of Oregon. It is also the 1,286^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 49 employees and 9,426 members. Old West Federal Credit Union's savings rates are 94% higher than the national average, but it has a 2-star health rating.

Old West Federal Credit Union Routing Number: 323274607

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Data for Q4 2011

Institution Statistics OLD WEST NCUA # 12012 BankRate Report View Year Chartered 1957 Employees 49 Primary Regulator Assets and Liabilities Assets $116.29 million Loans $79.56 million Deposits $103.12 million Equity Capital $12.54 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $10.04 million Real Estate Owned $7.20 million Historic Data - December 2010 Assets $115.08 million Equity Capital $11.46 million Loan Loss Allowance $869,000 Unbacked Noncurrent Loans $10.11 million Real Estate Owned $7.01 million Profit Margin - Quarterly Net Interest Margin 6.03% Return on Assets 0.97% Return on Equity 9.02% Interest Income $5.58 million Non-Interest Income $1.95 million

Institution Health Overall Score: 2 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 Old West Federal Credit Union had $17.24 million in non-current loans and owned real-estate with $13.57 million in equity and loan loss allowances on hand to cover it. This gives Old West Federal Credit Union a Texas Ratio of 127.01% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Old West Federal Credit Union held steady from 138.85% as of December 31, 2010 to 127.01% as of December 31, 2011, resulting in a positive change of 8.52%.This indicates that the balance sheet and financial strength for Old West Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Old West Federal Credit Union has decreased its total deposits by $-35,000, resulting in -0.03% 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 Old West Federal Credit Union has shown is 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. Old West Federal Credit Union has $116.29 million in assets with $13.57 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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