Safe 1 Credit Union

Safe 1 Credit Union is headquartered in Bakersfield and is the 88^th largest credit union in the state of California. It is also the 592^nd largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 83 employees and 43,433 members. Safe 1 Credit Union has a 5-star health rating.

Safe 1 Credit Union Routing Number: 322273609

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Data for Q4 2011

Institution Statistics SAFE 1 NCUA # 61598 BankRate Report View Year Chartered 1952 Employees 83 Primary Regulator Assets and Liabilities Assets $330.80 million Loans $214.14 million Deposits $282.13 million Equity Capital $45.27 million Loan Loss Allowance $4.61 million Unbacked Noncurrent Loans $2.01 million Real Estate Owned $149,000 Historic Data - December 2010 Assets $322.13 million Equity Capital $40.02 million Loan Loss Allowance $5.98 million Unbacked Noncurrent Loans $4.58 million Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets 1.59% Return on Equity 11.59% Interest Income $12.20 million Non-Interest Income $5.12 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 Safe 1 Credit Union had $2.15 million in non-current loans and owned real-estate with $49.87 million in equity and loan loss allowances on hand to cover it. This gives Safe 1 Credit Union a Texas Ratio of 4.32% 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 Safe 1 Credit Union decreased significantly from 9.95% as of December 31, 2010 to 4.32% as of December 31, 2011, resulting in a positive change of 56.58%.This indicates that the balance sheet and financial strength for Safe 1 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Safe 1 Credit Union has increased its total deposits by $3.05 million, resulting in 1.09% 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 Safe 1 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. Safe 1 Credit Union has $330.8 million in assets with $49.87 million in equity, resulting in a capitalization level of 15.08%, which is excellent.

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