Pacific Rails Credit Union

423 West 500 North
Salt Lake City, UT 84103
801-531-9099
www.pacificrails.com

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Pacific Rails Credit Union is headquartered in West Jordan and is the 37^th largest credit union in the state of Utah. It is also the 3,318^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 7 employees and 2,503 members. Pacific Rails Credit Union has a 3-star health rating.

5.85% 12-Month / 6.15% 60-Month CD at a Utah CU (Pacific Rails) - 5/25/2007

Pacific Rails Credit Union continues to offer several high yield certificates. The rates range from 5.20% APY for a 6-month term to 5.65% APY for a 60-month term. These have a minimum deposit of $1,000. Higher rates are available with higher minimum...

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See Rates for: Checking | Savings | Money Market | CD

Pacific Rails Credit Union Checking Account Rates

Apy	Min	Max	Product
0.00%	-	-	Regular Checking Account
0.00%	-	-	Member's Choice Checking Account

Pacific Rails Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	$1k	-	Children's Account
0.15%	$500	-	Flex Savings
0.10%	-	-	Christmas Club Account
0.10%	-	-	Special Shares Account
0.10%	-	-	Special Shares II (escrow) Account
0.10%	-	-	Vacation Account
0.10%	-	-	IRA Account
0.10%	-	-	Roth IRA Account
0.10%	$250	-	Regular Shares Account

Pacific Rails Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.20%	$50k	-	Money Market Account

Pacific Rails Credit Union CD Rates

Apy	Min	Max	Product
1.00%	$1k	-	60 Month CD
0.85%	$1k	-	48 Month CD
0.65%	$1k	-	36 Month CD
0.30%	$1k	-	24 Month CD
0.20%	$1k	-	12 Month CD
0.20%	$100	-	12 Month Savings Builder
0.15%	$1k	-	6 Month CD

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

PACIFIC RAILS
NCUA #	68365
BankRate Report	View
Year Chartered	1935
Employees	7
Primary Regulator
Assets and Liabilities
Assets	$23.24 million
Loans	$19.43 million
Deposits	$22.59 million
Equity Capital	$639,000
Loan Loss Allowance	$982,000
Unbacked Noncurrent Loans	$234,000
Real Estate Owned	$92,000
Historic Data - December 2010
Assets	$28.38 million
Equity Capital	$2.18 million
Loan Loss Allowance	$233,000
Unbacked Noncurrent Loans	$1.23 million
Profit Margin - Quarterly
Net Interest Margin	5.47%
Return on Assets	-6.64%
Return on Equity	-241.63%
Interest Income	$1.49 million
Non-Interest Income	$312,000

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 Pacific Rails Credit Union had $326,000 in non-current loans and owned real-estate with $1.62 million in equity and loan loss allowances on hand to cover it. This gives Pacific Rails Credit Union a Texas Ratio of 20.11% 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 Pacific Rails Credit Union decreased significantly from 50.85% as of December 31, 2010 to 20.11% as of December 31, 2011, resulting in a positive change of 60.45%.This indicates that the balance sheet and financial strength for Pacific Rails Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Pacific Rails Credit Union has decreased its total deposits by -$3.58 million, resulting in -13.69% 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 Rails 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 Rails Credit Union has $23.24 million in assets with $1.62 million in equity, resulting in a capitalization level of 6.98%, which is below average.