Priority One Credit Union

Priority One Credit Union is headquartered in South Pasadena and is the 124^th largest credit union in the state of California. It is also the 1,122^nd largest credit union in the nation. It was established in 1929 and as of December of 2012, it had grown to 46 employees and 28,874 members. Priority One Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics PRIORITY ONE NCUA # 60024 BankRate Report View Year Chartered 1929 Employees 46 Primary Regulator Assets and Liabilities Assets $147.37 million Loans $82.36 million Deposits $131.70 million Equity Capital $12.63 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $713,000 Historic Data - December 2011 Assets $153.46 million Equity Capital $11.86 million Loan Loss Allowance $2.24 million Unbacked Noncurrent Loans $1.92 million Real Estate Owned $482,000 Profit Margin - Quarterly Net Interest Margin 5.33% Return on Assets 0.4% Return on Equity 4.7% Interest Income $5.43 million Non-Interest Income $3.22 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, 2012 Priority One Credit Union had $713,000 in non-current loans and owned real-estate with $14.27 million in equity and loan loss allowances on hand to cover it. This gives Priority One Credit Union a Texas Ratio of 5.00% 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 Priority One Credit Union decreased significantly from 17.08% as of December 31, 2011 to 5.00% as of December 31, 2012, resulting in a positive change of 70.73%.This indicates that the balance sheet and financial strength for Priority One Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Priority One Credit Union has decreased its total deposits by $-489,000, resulting in -0.37% 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 Priority One Credit Union has shown is 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. Priority One Credit Union has $147.36 million in assets with $14.27 million in equity, resulting in a capitalization level of 9.68%, which is average.