Permaculture

Permaculture is headquartered in Santa Fe and is the 42^nd largest credit union in the state of New Mexico. It is also the 5,438^th largest credit union in the nation. It was established in 2000 and as of December of 2011, it had grown to 2 employees and 1,061 members. Permaculture has a 3-star health rating.

Permaculture Savings Account Rates

Permaculture CD Rates

Data for Q4 2011

Institution Statistics PERMACULTURE NCUA # 68438 BankRate Report View Year Chartered 2000 Employees 2 Primary Regulator Assets and Liabilities Assets $5.39 million Loans $4.55 million Deposits $5.04 million Equity Capital $329,000 Loan Loss Allowance $19,000 Unbacked Noncurrent Loans $142,000 Real Estate Owned $40,000 Historic Data - December 2010 Assets $4.86 million Equity Capital $296,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $142,000 Profit Margin - Quarterly Net Interest Margin 4.4% Return on Assets 0.61% Return on Equity 10.03% Interest Income $229,000 Non-Interest Income $70,000

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 Permaculture had $182,000 in non-current loans and owned real-estate with $348,000 in equity and loan loss allowances on hand to cover it. This gives Permaculture a Texas Ratio of 52.30% 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 Permaculture held steady from 46.56% as of December 31, 2010 to 52.30% as of December 31, 2011, resulting in a negative change of 12.33%. This indicates that the balance sheet and financial strength for Permaculture has held steady in recent periods. Deposit Growth In the past year, Permaculture has increased its total deposits by $484,000, resulting in 10.61% 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 Permaculture 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. Permaculture has $5.39 million in assets with $348,000 in equity, resulting in a capitalization level of 6.45%, which is below average.

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