Pacific N W Credit Union

Pacific N W Credit Union is headquartered in Portland and is the 22^nd largest credit union in the state of Oregon. It is also the 1,171^st largest credit union in the nation. It was established in 1942 and as of December of 2011, it had grown to 55 employees and 16,583 members. Pacific N W Credit Union has a 2-star health rating.

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Data for Q4 2011

Institution Statistics PACIFIC N W NCUA # 4878 BankRate Report View Year Chartered 1942 Employees 55 Primary Regulator Assets and Liabilities Assets $132.08 million Loans $96.82 million Deposits $122.99 million Equity Capital $8.06 million Loan Loss Allowance $3.33 million Unbacked Noncurrent Loans $4.10 million Real Estate Owned $165,000 Historic Data - December 2010 Assets $152.13 million Equity Capital $9.79 million Loan Loss Allowance $2.79 million Unbacked Noncurrent Loans $4.16 million Real Estate Owned $740,000 Profit Margin - Quarterly Net Interest Margin 6.38% Return on Assets -0.96% Return on Equity -15.67% Interest Income $6.68 million Non-Interest Income $2.14 million

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 December 31, 2011 Pacific N W Credit Union had $4.26 million in non-current loans and owned real-estate with $11.39 million in equity and loan loss allowances on hand to cover it. This gives Pacific N W Credit Union a Texas Ratio of 37.40% 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 Pacific N W Credit Union held steady from 38.93% as of December 31, 2010 to 37.40% as of December 31, 2011, resulting in a positive change of 3.92%.This indicates that the balance sheet and financial strength for Pacific N W Credit Union has held steady in recent periods. Deposit Growth In the past year, Pacific N W Credit Union has decreased its total deposits by -$17.78 million, resulting in -12.63% 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 N W Credit Union has shown is poor. 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 N W Credit Union has $132.08 million in assets with $11.39 million in equity, resulting in a capitalization level of 8.62%, which is average.

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