Sierra Point Credit Union

Sierra Point Credit Union is headquartered in South San Franc and is the 267^th largest credit union in the state of California. It is also the 3,073^rd largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 8 employees and 2,808 members. Sierra Point Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics SIERRA POINT NCUA # 68025 BankRate Report View Year Chartered 1954 Employees 8 Primary Regulator Assets and Liabilities Assets $27.38 million Loans $17.03 million Deposits $24.21 million Equity Capital $3.17 million Loan Loss Allowance $141,000 Unbacked Noncurrent Loans $6,000 Historic Data - December 2010 Assets $29.99 million Equity Capital $3.30 million Loan Loss Allowance $82,000 Profit Margin - Quarterly Net Interest Margin 5.85% Return on Assets -0.55% Return on Equity -4.77% Interest Income $1.18 million Non-Interest Income $143,000

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 Sierra Point Credit Union had $6,000 in non-current loans and owned real-estate with $3.31 million in equity and loan loss allowances on hand to cover it. This gives Sierra Point Credit Union a Texas Ratio of 0.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Sierra Point Credit Union has decreased its total deposits by -$2.46 million, resulting in -9.24% 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 Sierra Point Credit Union has shown is poor. 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. Sierra Point Credit Union has $27.38 million in assets with $3.31 million in equity, resulting in a capitalization level of 12.08%, which is excellent.

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