State Center Credit Union

State Center Credit Union is headquartered in FRESNO and is the 174^th largest credit union in the state of California. It is also the 1,721^st largest credit union in the nation. It was established in 1959 and as of September of 2011, it had grown to 19 employees and 8,807 members. State Center Credit Union's savings rates are 94% higher than the national average, and it has a 3-star health rating.

State Center Credit Union Routing Number: 321172756

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Data for Q3 2011

Institution Statistics STATE CENTER NCUA # 63819 BankRate Report View Year Established 1959 Employees 19 Primary Regulator Assets and Liabilities Assets $75.69 million Loans $35.96 million Deposits $70.65 million Equity Capital $4.63 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $1.02 million Historic Data - September 2010 Assets $75.37 million Equity Capital $4.89 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $972,000 Profit Margin - Quarterly Net Interest Margin 4.87% Return on Assets -0.52% Return on Equity -8.5% Interest Income $2.05 million Non-Interest Income $531,000

Institution Health Overall Score: 3 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 September 30, 2011 State Center Credit Union had $1.02 million in non-current loans and owned real-estate with $6.28 million in equity and loan loss allowances on hand to cover it. This gives State Center Credit Union a Texas Ratio of 16.30% 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 State Center Credit Union held steady from 14.76% as of September 30, 2010 to 16.30% as of September 30, 2011, resulting in a negative change of 10.46%. This indicates that the balance sheet and financial strength for State Center Credit Union has held steady in recent periods. Deposit Growth In the past year, State Center Credit Union has increased its total deposits by $544,000, resulting in 0.78% 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 State Center Credit Union has shown is 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. State Center Credit Union has $75.69 million in assets with $6.28 million in equity, resulting in a capitalization level of 8.30%, which is average.

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