Our Community Credit Union

Our Community Credit Union is headquartered in Shelton and is the 27^th largest credit union in the state of Washington. It is also the 759^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 86 employees and 23,626 members. Our Community Credit Union's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

Our Community Credit Union Routing Number: 325182357

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Data for Q4 2011

Institution Statistics OUR COMMUNITY NCUA # 68609 BankRate Report View Year Chartered 1941 Employees 86 Primary Regulator Assets and Liabilities Assets $240.16 million Loans $105.07 million Deposits $212.29 million Equity Capital $25.47 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $485,000 Real Estate Owned $35,000 Historic Data - December 2010 Assets $220.60 million Equity Capital $25.51 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $856,000 Profit Margin - Quarterly Net Interest Margin 6.19% Return on Assets 0.55% Return on Equity 5.2% Interest Income $10.34 million Non-Interest Income $3.28 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 Our Community Credit Union had $520,000 in non-current loans and owned real-estate with $27.25 million in equity and loan loss allowances on hand to cover it. This gives Our Community Credit Union a Texas Ratio of 1.91% 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 Our Community Credit Union decreased slightly from 3.15% as of December 31, 2010 to 1.91% as of December 31, 2011, resulting in a positive change of 39.40%.This indicates that the balance sheet and financial strength for Our Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Our Community Credit Union has increased its total deposits by $19.35 million, resulting in 10.03% 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 Our 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. Our Community Credit Union has $240.16 million in assets with $27.25 million in equity, resulting in a capitalization level of 11.35%, which is above average.

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