Rolling F Credit Union

Rolling F Credit Union is headquartered in TURLOCK and is the 229^th largest credit union in the state of California. It is also the 2,516^st largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 6 employees and 6,263 members. Rolling F Credit Union has a 5-star health rating.

Rolling F Credit Union Routing Number: 321173519

Data for Q4 2011

Institution Statistics ROLLING F NCUA # 61128 BankRate Report View Year Chartered 1948 Employees 6 Primary Regulator Assets and Liabilities Assets $40.51 million Loans $11.96 million Deposits $35.62 million Equity Capital $4.87 million Loan Loss Allowance $149,000 Unbacked Noncurrent Loans $141,000 Historic Data - December 2010 Assets $39.32 million Equity Capital $5.08 million Loan Loss Allowance $72,000 Unbacked Noncurrent Loans $243,000 Profit Margin - Quarterly Net Interest Margin 5.02% Return on Assets -0.39% Return on Equity -3.23% Interest Income $930,000 Non-Interest Income $17,000

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 Rolling F Credit Union had $141,000 in non-current loans and owned real-estate with $5.01 million in equity and loan loss allowances on hand to cover it. This gives Rolling F Credit Union a Texas Ratio of 2.81% 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 Rolling F Credit Union decreased significantly from 4.72% as of December 31, 2010 to 2.81% as of December 31, 2011, resulting in a positive change of 40.37%.This indicates that the balance sheet and financial strength for Rolling F Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Rolling F Credit Union has increased its total deposits by $1.4 million, resulting in 4.08% 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 Rolling F 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. Rolling F Credit Union has $40.51 million in assets with $5.01 million in equity, resulting in a capitalization level of 12.38%, which is excellent.

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