Pacific Resource Credit Union

Pacific Resource Credit Union is headquartered in LOS ANGELES and is the 152^nd largest credit union in the state of California. It is also the 1,450^th largest credit union in the nation. It was established in 1936 and as of September of 2011, it had grown to 26 employees and 9,081 members. Pacific Resource Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

Pacific Resource Credit Union Routing Number: 322077135

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Data for Q3 2011

Institution Statistics PACIFIC RESOURCE NCUA # 68414 BankRate Report View Year Established 1936 Employees 26 Primary Regulator Assets and Liabilities Assets $96.96 million Loans $52.74 million Deposits $87.99 million Equity Capital $8.67 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $855,000 Historic Data - September 2010 Assets $109.95 million Equity Capital $9.30 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $1.57 million Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets -1.14% Return on Equity -12.78% Interest Income $3.25 million Non-Interest Income $651,000

Institution Health Overall Score: 4 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 Pacific Resource Credit Union had $855,000 in non-current loans and owned real-estate with $9.87 million in equity and loan loss allowances on hand to cover it. This gives Pacific Resource Credit Union a Texas Ratio of 8.66% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pacific Resource Credit Union decreased significantly from 14.68% as of September 30, 2010 to 8.66% as of September 30, 2011, resulting in a positive change of 40.97%.This indicates that the balance sheet and financial strength for Pacific Resource Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Pacific Resource Credit Union has decreased its total deposits by -$8.48 million, resulting in -8.79% 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 Resource 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 Resource Credit Union has $96.96 million in assets with $9.87 million in equity, resulting in a capitalization level of 10.18%, which is above average.