SD Medical Credit Union

SD Medical Credit Union is headquartered in SAN DIEGO and is the 180^th largest credit union in the state of California. It is also the 1,797^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 18 employees and 6,270 members. SD Medical Credit Union's savings rates are 92% higher than the national average, and it has a 3-star health rating.

SD Medical Credit Union Checking Account Rates

SD Medical Credit Union Savings Account Rates

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SD Medical Credit Union IRA Rates

Data for Q4 2011

Institution Statistics SD MEDICAL NCUA # 7258 BankRate Report View Year Chartered 1951 Employees 18 Primary Regulator Assets and Liabilities Assets $71.15 million Loans $48.03 million Deposits $61.20 million Equity Capital $8.94 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $1.95 million Historic Data - December 2010 Assets $72.27 million Equity Capital $7.52 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $466,000 Profit Margin - Quarterly Net Interest Margin 7.16% Return on Assets 0.97% Return on Equity 7.69% Interest Income $5.21 million Non-Interest Income $517,000

Institution Health Overall Score: 3 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 SD Medical Credit Union had $1.95 million in non-current loans and owned real-estate with $10.74 million in equity and loan loss allowances on hand to cover it. This gives SD Medical Credit Union a Texas Ratio of 18.16% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for SD Medical Credit Union increased slightly from 5.42% as of December 31, 2010 to 18.16% as of December 31, 2011, resulting in a negative change of 234.84%. This indicates that the balance sheet and financial strength for SD Medical Credit Union has declined slightly in recent periods. Deposit Growth In the past year, SD Medical Credit Union has decreased its total deposits by $-16,000, resulting in -0.03% 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 SD Medical 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. SD Medical Credit Union has $71.15 million in assets with $10.74 million in equity, resulting in a capitalization level of 15.09%, which is excellent.

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