Portland Local No 8 Credit Union

Portland Local No 8 Credit Union is headquartered in PORTLAND and is the 50^th largest credit union in the state of Oregon. It is also the 2,795^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 8 employees and 2,775 members. Portland Local No 8 Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics PORTLAND LOCAL NO 8 NCUA # 9288 BankRate Report View Year Chartered 1954 Employees 8 Primary Regulator Assets and Liabilities Assets $32.81 million Loans $24.70 million Deposits $29.65 million Equity Capital $2.42 million Loan Loss Allowance $304,000 Unbacked Noncurrent Loans $498,000 Historic Data - December 2010 Assets $30.46 million Equity Capital $2.17 million Loan Loss Allowance $377,000 Unbacked Noncurrent Loans $994,000 Profit Margin - Quarterly Net Interest Margin 6.35% Return on Assets 0.12% Return on Equity 1.57% Interest Income $2.00 million Non-Interest Income $247,000

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 Portland Local No 8 Credit Union had $498,000 in non-current loans and owned real-estate with $2.72 million in equity and loan loss allowances on hand to cover it. This gives Portland Local No 8 Credit Union a Texas Ratio of 18.31% 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 Portland Local No 8 Credit Union decreased significantly from 39.01% as of December 31, 2010 to 18.31% as of December 31, 2011, resulting in a positive change of 53.07%.This indicates that the balance sheet and financial strength for Portland Local No 8 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Portland Local No 8 Credit Union has increased its total deposits by $1.42 million, resulting in 5.04% 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 Portland Local No 8 Credit Union 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. Portland Local No 8 Credit Union has $32.81 million in assets with $2.72 million in equity, resulting in a capitalization level of 8.29%, which is average.

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