Potlatch No 1 Credit Union

Potlatch No 1 Credit Union is headquartered in LEWISTON and is the 2^nd largest credit union in the state of Idaho. It is also the 402^nd largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 142 employees and 52,326 members. Potlatch No 1 Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics POTLATCH NO 1 NCUA # 2734 BankRate Report View Year Chartered 1938 Employees 142 Primary Regulator Assets and Liabilities Assets $486.45 million Loans $340.51 million Deposits $438.68 million Equity Capital $41.89 million Loan Loss Allowance $5.54 million Unbacked Noncurrent Loans $1.83 million Real Estate Owned $697,000 Historic Data - December 2010 Assets $442.21 million Equity Capital $36.39 million Loan Loss Allowance $5.54 million Unbacked Noncurrent Loans $3.45 million Real Estate Owned $534,000 Profit Margin - Quarterly Net Interest Margin 4.6% Return on Assets 1.24% Return on Equity 14.35% Interest Income $20.08 million Non-Interest Income $10.02 million

Institution Health Overall Score: 5 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 Potlatch No 1 Credit Union had $2.52 million in non-current loans and owned real-estate with $47.42 million in equity and loan loss allowances on hand to cover it. This gives Potlatch No 1 Credit Union a Texas Ratio of 5.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Potlatch No 1 Credit Union decreased significantly from 9.50% as of December 31, 2010 to 5.32% as of December 31, 2011, resulting in a positive change of 43.98%.This indicates that the balance sheet and financial strength for Potlatch No 1 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Potlatch No 1 Credit Union has increased its total deposits by $38.17 million, resulting in 9.53% 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 Potlatch No 1 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. Potlatch No 1 Credit Union has $486.45 million in assets with $47.42 million in equity, resulting in a capitalization level of 9.75%, which is average.