Spokane Teachers Credit Union

Spokane Teachers Credit Union is headquartered in Liberty Lake and is the 3^rd largest credit union in the state of Washington. It is also the 93^rd largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 440 employees and 100,493 members. Spokane Teachers Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

Spokane Teachers Credit Union Routing Number: 325182700

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Data for Q4 2011

Institution Statistics SPOKANE TEACHERS NCUA # 68203 BankRate Report View Year Chartered 1934 Employees 440 Primary Regulator Assets and Liabilities Assets $1.59 billion Loans $1.27 billion Deposits $1.31 billion Equity Capital $163.90 million Loan Loss Allowance $11.58 million Unbacked Noncurrent Loans $15.82 million Real Estate Owned $1.52 million Historic Data - December 2010 Assets $1.46 billion Equity Capital $144.40 million Loan Loss Allowance $11.73 million Unbacked Noncurrent Loans $11.91 million Real Estate Owned $679,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 1.2% Return on Equity 11.66% Interest Income $74.34 million Non-Interest Income $16.31 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 Spokane Teachers Credit Union had $17.33 million in non-current loans and owned real-estate with $175.48 million in equity and loan loss allowances on hand to cover it. This gives Spokane Teachers Credit Union a Texas Ratio of 9.88% 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 Spokane Teachers Credit Union held steady from 8.06% as of December 31, 2010 to 9.88% as of December 31, 2011, resulting in a negative change of 22.52%. This indicates that the balance sheet and financial strength for Spokane Teachers Credit Union has held steady in recent periods. Deposit Growth In the past year, Spokane Teachers Credit Union has increased its total deposits by $116.96 million, resulting in 9.77% 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 Spokane Teachers 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. Spokane Teachers Credit Union has $1.59 billion in assets with $175.48 million in equity, resulting in a capitalization level of 11.01%, which is above average.

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