Spectrum Credit Union

Spectrum Credit Union is headquartered in San Francisco and is the 117^st largest credit union in the state of California. It is also the 941^st largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 33 employees and 12,401 members. Spectrum Credit Union has a 4-star health rating.

Spectrum Credit Union CD Rates

Spectrum Credit Union IRA Rates

Data for Q4 2011

Institution Statistics SPECTRUM NCUA # 21428 BankRate Report View Year Chartered 1973 Employees 33 Primary Regulator Assets and Liabilities Assets $175.81 million Loans $105.19 million Deposits $165.39 million Equity Capital $8.99 million Loan Loss Allowance $3.45 million Unbacked Noncurrent Loans $3.24 million Historic Data - December 2010 Assets $159.17 million Equity Capital $9.06 million Loan Loss Allowance $3.18 million Unbacked Noncurrent Loans $4.66 million Profit Margin - Quarterly Net Interest Margin 5.42% Return on Assets -0.04% Return on Equity -0.76% Interest Income $6.52 million Non-Interest Income $1.28 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 Spectrum Credit Union had $3.24 million in non-current loans and owned real-estate with $12.44 million in equity and loan loss allowances on hand to cover it. This gives Spectrum Credit Union a Texas Ratio of 26.04% 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 Spectrum Credit Union decreased slightly from 38.06% as of December 31, 2010 to 26.04% as of December 31, 2011, resulting in a positive change of 31.58%.This indicates that the balance sheet and financial strength for Spectrum Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Spectrum Credit Union has increased its total deposits by $16.45 million, resulting in 11.04% 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 Spectrum 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. Spectrum Credit Union has $175.81 million in assets with $12.44 million in equity, resulting in a capitalization level of 7.08%, which is below average.

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