Southland Credit Union

Southland Credit Union is headquartered in Downey and is the 69^th largest credit union in the state of California. It is also the 432^nd largest credit union in the nation. It was established in 1944 and as of December of 2012, it had grown to 96 employees and 45,968 members. Southland Credit Union has a 5-star health rating.

Southland Credit Union Routing Number: 322078325

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Data for Q4 2012

Institution Statistics SOUTHLAND NCUA # 68415 BankRate Report View Year Chartered 1944 Employees 96 Primary Regulator Assets and Liabilities Assets $482.62 million Loans $322.31 million Deposits $419.85 million Equity Capital $55.28 million Loan Loss Allowance $6.42 million Unbacked Noncurrent Loans $7.59 million Real Estate Owned $259,000 Historic Data - December 2011 Assets $486.23 million Equity Capital $47.68 million Loan Loss Allowance $8.19 million Unbacked Noncurrent Loans $7.69 million Real Estate Owned $3.05 million Profit Margin - Quarterly Net Interest Margin 5.74% Return on Assets 1.25% Return on Equity 10.94% Interest Income $19.55 million Non-Interest Income $6.68 million

Institution Health Overall Score: 5 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 Southland Credit Union had $7.85 million in non-current loans and owned real-estate with $61.7 million in equity and loan loss allowances on hand to cover it. This gives Southland Credit Union a Texas Ratio of 12.72% 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 Southland Credit Union decreased slightly from 19.21% as of December 31, 2011 to 12.72% as of December 31, 2012, resulting in a positive change of 33.80%.This indicates that the balance sheet and financial strength for Southland Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Southland Credit Union has increased its total deposits by $28.51 million, resulting in 7.28% 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 Southland 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. Southland Credit Union has $482.62 million in assets with $61.7 million in equity, resulting in a capitalization level of 12.78%, which is excellent.

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