Oregon Employees Credit Union

Oregon Employees Credit Union is headquartered in SALEM and is the 28^th largest credit union in the state of Oregon. It is also the 1,482^nd largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 26 employees and 9,033 members. Oregon Employees Credit Union has a 3-star health rating.

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Oregon Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics OREGON EMPLOYEES NCUA # 16113 BankRate Report View Year Chartered 1964 Employees 26 Primary Regulator Assets and Liabilities Assets $94.32 million Loans $55.83 million Deposits $86.95 million Equity Capital $7.23 million Loan Loss Allowance $732,000 Unbacked Noncurrent Loans $1.05 million Real Estate Owned $564,000 Historic Data - December 2010 Assets $94.38 million Equity Capital $7.07 million Loan Loss Allowance $863,000 Unbacked Noncurrent Loans $1.68 million Real Estate Owned $415,000 Profit Margin - Quarterly Net Interest Margin 5.53% Return on Assets 0.17% Return on Equity 2.24% Interest Income $3.98 million Non-Interest Income $991,000

Institution Health Overall Score: 3 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 Oregon Employees Credit Union had $1.62 million in non-current loans and owned real-estate with $7.96 million in equity and loan loss allowances on hand to cover it. This gives Oregon Employees Credit Union a Texas Ratio of 20.31% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oregon Employees Credit Union decreased slightly from 26.46% as of December 31, 2010 to 20.31% as of December 31, 2011, resulting in a positive change of 23.23%.This indicates that the balance sheet and financial strength for Oregon Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Oregon Employees Credit Union has decreased its total deposits by $-136,000, resulting in -0.16% 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 Oregon Employees 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. Oregon Employees Credit Union has $94.32 million in assets with $7.96 million in equity, resulting in a capitalization level of 8.44%, which is average.

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