San Diego Metropolitan Credit Union

San Diego Metropolitan Credit Union is headquartered in San Diego and is the 101^st largest credit union in the state of California. It is also the 781^st largest credit union in the nation. It was established in 1934 and as of December of 2012, it had grown to 67 employees and 15,746 members. San Diego Metropolitan Credit Union has a 4-star health rating.

San Diego Metropolitan Credit Union Routing Number: 322281549

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Data for Q4 2012

Institution Statistics SAN DIEGO METROPOLITAN NCUA # 61003 BankRate Report View Year Chartered 1934 Employees 67 Primary Regulator Assets and Liabilities Assets $243.27 million Loans $171.58 million Deposits $222.19 million Equity Capital $17.04 million Loan Loss Allowance $7.98 million Unbacked Noncurrent Loans $2.91 million Real Estate Owned $581,000 Historic Data - December 2011 Assets $248.17 million Equity Capital $14.78 million Loan Loss Allowance $8.69 million Unbacked Noncurrent Loans $6.28 million Real Estate Owned $2.58 million Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 0.09% Return on Equity 1.29% Interest Income $10.25 million Non-Interest Income $3.09 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, 2012 San Diego Metropolitan Credit Union had $3.49 million in non-current loans and owned real-estate with $25.02 million in equity and loan loss allowances on hand to cover it. This gives San Diego Metropolitan Credit Union a Texas Ratio of 13.95% 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 San Diego Metropolitan Credit Union decreased significantly from 37.73% as of December 31, 2011 to 13.95% as of December 31, 2012, resulting in a positive change of 63.04%.This indicates that the balance sheet and financial strength for San Diego Metropolitan Credit Union has improved significantly in recent periods. Deposit Growth In the past year, San Diego Metropolitan Credit Union has decreased its total deposits by -$8.32 million, resulting in -3.61% 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 San Diego Metropolitan Credit Union has shown is below 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. San Diego Metropolitan Credit Union has $243.27 million in assets with $25.02 million in equity, resulting in a capitalization level of 10.28%, which is above average.

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