Star One Credit Union

Star One Credit Union is headquartered in Sunnyvale and is the 3^rd largest credit union in the state of California. It is also the 9^th largest credit union in the nation. It was established in 1956 and as of December of 2012, it had grown to 168 employees and 90,603 members. Star One Credit Union's money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

Star One Credit Union Routing Number: 321177968

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Data for Q4 2012

Institution Statistics STAR ONE NCUA # 68465 BankRate Report View Year Chartered 1956 Employees 168 Primary Regulator Assets and Liabilities Assets $6.30 billion Loans $2.76 billion Deposits $4.36 billion Equity Capital $716.77 million Loan Loss Allowance $10.37 million Unbacked Noncurrent Loans $3.52 million Historic Data - December 2011 Assets $5.93 billion Equity Capital $662.59 million Loan Loss Allowance $11.55 million Unbacked Noncurrent Loans $6.14 million Real Estate Owned $516,000 Profit Margin - Quarterly Net Interest Margin 3.08% Return on Assets 0.92% Return on Equity 8.1% Interest Income $150.29 million Non-Interest Income $12.81 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 Star One Credit Union had $3.52 million in non-current loans and owned real-estate with $727.14 million in equity and loan loss allowances on hand to cover it. This gives Star One Credit Union a Texas Ratio of 0.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Star One Credit Union decreased significantly from 0.99% as of December 31, 2011 to 0.48% as of December 31, 2012, resulting in a positive change of 50.97%.This indicates that the balance sheet and financial strength for Star One Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Star One Credit Union has increased its total deposits by $170.97 million, resulting in 4.09% 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 Star One Credit Union has shown is above average. 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. Star One Credit Union has $6.3 billion in assets with $727.14 million in equity, resulting in a capitalization level of 11.53%, which is above average.

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