Santa Clara County Credit Union

Santa Clara County Credit Union is headquartered in San Jose and is the 67^th largest credit union in the state of California. It is also the 399^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 106 employees and 44,052 members. Santa Clara County Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

Santa Clara County Credit Union Checking Account Rates

Santa Clara County Credit Union Savings Account Rates

Santa Clara County Credit Union Money Market Rates

Santa Clara County Credit Union CD Rates

Santa Clara County Credit Union IRA Rates

Data for Q4 2011

Institution Statistics SANTA CLARA COUNTY NCUA # 24299 BankRate Report View Year Chartered 1950 Employees 106 Primary Regulator Assets and Liabilities Assets $490.13 million Loans $228.99 million Deposits $441.95 million Equity Capital $43.38 million Loan Loss Allowance $5.82 million Unbacked Noncurrent Loans $3.67 million Real Estate Owned $2.84 million Historic Data - December 2010 Assets $486.56 million Equity Capital $41.55 million Loan Loss Allowance $8.46 million Unbacked Noncurrent Loans $10.82 million Real Estate Owned $1.98 million Profit Margin - Quarterly Net Interest Margin 5.4% Return on Assets 0.23% Return on Equity 2.59% Interest Income $17.09 million Non-Interest Income $5.34 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 Santa Clara County Credit Union had $6.5 million in non-current loans and owned real-estate with $49.19 million in equity and loan loss allowances on hand to cover it. This gives Santa Clara County Credit Union a Texas Ratio of 13.22% 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 Santa Clara County Credit Union decreased significantly from 25.59% as of December 31, 2010 to 13.22% as of December 31, 2011, resulting in a positive change of 48.32%.This indicates that the balance sheet and financial strength for Santa Clara County Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Santa Clara County Credit Union has increased its total deposits by $14.33 million, resulting in 3.35% 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 Santa Clara County 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. Santa Clara County Credit Union has $490.13 million in assets with $49.19 million in equity, resulting in a capitalization level of 10.04%, which is above average.

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