Safeamerica Credit Union

Safeamerica Credit Union is headquartered in PLEASANTON and is the 93^rd largest credit union in the state of California. It is also the 667^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 53 employees and 24,147 members. Safeamerica Credit Union has a 4-star health rating.

Safeamerica Credit Union Routing Number: 321171757

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Data for Q4 2011

Institution Statistics SAFEAMERICA NCUA # 97093 BankRate Report View Year Chartered 1953 Employees 53 Primary Regulator Assets and Liabilities Assets $282.47 million Loans $139.69 million Deposits $254.34 million Equity Capital $27.13 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $3.96 million Real Estate Owned $180,000 Historic Data - December 2010 Assets $283.97 million Equity Capital $26.89 million Loan Loss Allowance $2.54 million Unbacked Noncurrent Loans $5.07 million Real Estate Owned $267,000 Profit Margin - Quarterly Net Interest Margin 5.88% Return on Assets 0.27% Return on Equity 2.82% Interest Income $9.73 million Non-Interest Income $2.76 million

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 Safeamerica Credit Union had $4.14 million in non-current loans and owned real-estate with $29.04 million in equity and loan loss allowances on hand to cover it. This gives Safeamerica Credit Union a Texas Ratio of 14.25% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Safeamerica Credit Union decreased slightly from 18.12% as of December 31, 2010 to 14.25% as of December 31, 2011, resulting in a positive change of 21.35%.This indicates that the balance sheet and financial strength for Safeamerica Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Safeamerica Credit Union has decreased its total deposits by $-593,000, resulting in -0.23% 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 Safeamerica 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. Safeamerica Credit Union has $282.47 million in assets with $29.04 million in equity, resulting in a capitalization level of 10.28%, which is above average.

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