Onpoint Community Credit Union

Onpoint Community Credit Union is headquartered in Portland and is the largest credit union in the state of Oregon. It is also the 38^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 435 employees and 230,748 members. Onpoint Community Credit Union has a 4-star health rating.

Onpoint Community Credit Union Routing Number: 323075880

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Data for Q4 2011

Institution Statistics ONPOINT COMMUNITY NCUA # 62745 BankRate Report View Year Chartered 1932 Employees 435 Primary Regulator Assets and Liabilities Assets $3.03 billion Loans $1.87 billion Deposits $2.65 billion Equity Capital $303.40 million Loan Loss Allowance $22.80 million Unbacked Noncurrent Loans $26.90 million Real Estate Owned $1.37 million Historic Data - December 2010 Assets $2.84 billion Equity Capital $276.43 million Loan Loss Allowance $26.98 million Unbacked Noncurrent Loans $28.62 million Real Estate Owned $1.46 million Profit Margin - Quarterly Net Interest Margin 5.12% Return on Assets 0.79% Return on Equity 7.93% Interest Income $108.22 million Non-Interest Income $32.28 million

Institution Health Overall Score: 4 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 Onpoint Community Credit Union had $28.27 million in non-current loans and owned real-estate with $326.19 million in equity and loan loss allowances on hand to cover it. This gives Onpoint Community Credit Union a Texas Ratio of 8.67% 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 Onpoint Community Credit Union held steady from 9.92% as of December 31, 2010 to 8.67% as of December 31, 2011, resulting in a positive change of 12.60%.This indicates that the balance sheet and financial strength for Onpoint Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Onpoint Community Credit Union has increased its total deposits by $171.93 million, resulting in 6.95% 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 Onpoint 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. Onpoint Community Credit Union has $3.03 billion in assets with $326.19 million in equity, resulting in a capitalization level of 10.76%, which is above average.