Solarity Credit Union

Solarity Credit Union is headquartered in YAKIMA and is the 17^st largest credit union in the state of Washington. It is also the 411^st largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 112 employees and 49,212 members. Solarity Credit Union has a 4-star health rating.

Solarity Credit Union Routing Number: 325183738

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Data for Q4 2011

Institution Statistics SOLARITY NCUA # 68061 BankRate Report View Year Chartered 1951 Employees 112 Primary Regulator Assets and Liabilities Assets $477.94 million Loans $289.48 million Deposits $412.01 million Equity Capital $58.53 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $5.31 million Historic Data - December 2010 Assets $190.37 million Equity Capital $25.84 million Loan Loss Allowance $868,000 Unbacked Noncurrent Loans $620,000 Real Estate Owned $93,000 Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 1.53% Return on Equity 12.53% Interest Income $14.96 million Non-Interest Income $9.51 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 Solarity Credit Union had $5.31 million in non-current loans and owned real-estate with $61.2 million in equity and loan loss allowances on hand to cover it. This gives Solarity Credit Union a Texas Ratio of 8.68% 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 Solarity Credit Union increased slightly from 2.67% as of December 31, 2010 to 8.68% as of December 31, 2011, resulting in a negative change of 224.99%. This indicates that the balance sheet and financial strength for Solarity Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Solarity Credit Union has increased its total deposits by $248.1 million, resulting in 151.37% 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 Solarity Credit Union has shown is excellent. 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. Solarity Credit Union has $477.94 million in assets with $61.2 million in equity, resulting in a capitalization level of 12.81%, which is excellent.

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