PAC Federal Credit Union

PAC Federal Credit Union is headquartered in Troy and is the 91^st largest credit union in the state of Michigan. It is also the 1,451^st largest credit union in the nation. It was established in 1976 and as of September of 2011, it had grown to 18 employees and 6,953 members. PAC Federal Credit Union has a 2-star health rating.

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Data for Q3 2011

Institution Statistics PAC NCUA # 22280 BankRate Report View Year Established 1976 Employees 18 Primary Regulator Assets and Liabilities Assets $96.87 million Loans $60.25 million Deposits $89.30 million Equity Capital $7.29 million Loan Loss Allowance $81,000 Unbacked Noncurrent Loans $2.39 million Real Estate Owned $813,000 Historic Data - September 2010 Assets $95.10 million Equity Capital $7.33 million Loan Loss Allowance $168,000 Unbacked Noncurrent Loans $2.22 million Real Estate Owned $594,000 Profit Margin - Quarterly Net Interest Margin 2.95% Return on Assets 0.02% Return on Equity 0.27% Interest Income $2.44 million Non-Interest Income $386,000

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 September 30, 2011 PAC Federal Credit Union had $3.2 million in non-current loans and owned real-estate with $7.37 million in equity and loan loss allowances on hand to cover it. This gives PAC Federal Credit Union a Texas Ratio of 43.45% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for PAC Federal Credit Union increased slightly from 37.55% as of September 30, 2010 to 43.45% as of September 30, 2011, resulting in a negative change of 15.70%. This indicates that the balance sheet and financial strength for PAC Federal Credit Union has declined slightly in recent periods. Deposit Growth In the past year, PAC Federal Credit Union has increased its total deposits by $1.95 million, resulting in 2.23% 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 PAC Federal Credit Union has shown is above 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. PAC Federal Credit Union has $96.87 million in assets with $7.37 million in equity, resulting in a capitalization level of 7.61%, which is below average.