Pacific Marine Credit Union

Pacific Marine Credit Union is headquartered in Oceanside and is the 55^th largest credit union in the state of California. It is also the 315^st largest credit union in the nation. It was established in 1952 and as of December of 2012, it had grown to 234 employees and 76,107 members. Pacific Marine Credit Union's CD rates are 3X the national average, and it boasts a 5-star health rating.

Pacific Marine Credit Union Routing Number: 322274925

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Data for Q4 2012

Institution Statistics PACIFIC MARINE NCUA # 68494 BankRate Report View Year Chartered 1952 Employees 234 Primary Regulator Assets and Liabilities Assets $675.74 million Loans $327.83 million Deposits $573.24 million Equity Capital $91.48 million Loan Loss Allowance $4.83 million Unbacked Noncurrent Loans $2.36 million Historic Data - December 2011 Assets $612.01 million Equity Capital $86.60 million Loan Loss Allowance $6.15 million Unbacked Noncurrent Loans $2.02 million Real Estate Owned $1.05 million Profit Margin - Quarterly Net Interest Margin 5.33% Return on Assets 0.72% Return on Equity 5.34% Interest Income $19.77 million Non-Interest Income $18.11 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, 2012 Pacific Marine Credit Union had $2.36 million in non-current loans and owned real-estate with $96.31 million in equity and loan loss allowances on hand to cover it. This gives Pacific Marine Credit Union a Texas Ratio of 2.45% 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 Pacific Marine Credit Union decreased slightly from 3.31% as of December 31, 2011 to 2.45% as of December 31, 2012, resulting in a positive change of 25.94%.This indicates that the balance sheet and financial strength for Pacific Marine Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Pacific Marine Credit Union has increased its total deposits by $58.19 million, resulting in 11.3% 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 Pacific Marine 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. Pacific Marine Credit Union has $675.74 million in assets with $96.31 million in equity, resulting in a capitalization level of 14.25%, which is excellent.