Paho/Who Credit Union

Paho/Who Credit Union is headquartered in Washington and is the 6^th largest credit union in the state of District of Columbia. It is also the 899^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 13 employees and 4,689 members. Paho/Who Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

Paho/Who Credit Union Checking Account Rates

Paho/Who Credit Union Savings Account Rates

Paho/Who Credit Union CD Rates

Data for Q4 2011

Institution Statistics PAHO/WHO NCUA # 6464 BankRate Report View Year Chartered 1949 Employees 13 Primary Regulator Assets and Liabilities Assets $187.97 million Loans $81.99 million Deposits $151.77 million Equity Capital $35.25 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $4.23 million Real Estate Owned $153,000 Historic Data - December 2010 Assets $182.47 million Equity Capital $33.17 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $3.82 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.6% Return on Equity 3.2% Interest Income $5.87 million Non-Interest Income $470,000

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 December 31, 2011 Paho/Who Credit Union had $4.39 million in non-current loans and owned real-estate with $36.63 million in equity and loan loss allowances on hand to cover it. This gives Paho/Who Credit Union a Texas Ratio of 11.98% 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 Paho/Who Credit Union held steady from 11.12% as of December 31, 2010 to 11.98% as of December 31, 2011, resulting in a negative change of 7.73%. This indicates that the balance sheet and financial strength for Paho/Who Credit Union has held steady in recent periods. Deposit Growth In the past year, Paho/Who Credit Union has increased its total deposits by $3.29 million, resulting in 2.22% 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 Paho/Who 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. Paho/Who Credit Union has $187.97 million in assets with $36.63 million in equity, resulting in a capitalization level of 19.49%, which is excellent.

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