State Employees #84 Credit Union

State Employees #84 Credit Union is headquartered in MANTECA and is the 403^rd largest credit union in the state of California. It is also the 6,466^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 2 employees and 634 members. State Employees #84 Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics STATE EMPLOYEES #84 NCUA # 64376 BankRate Report View Year Chartered 1955 Employees 2 Primary Regulator Assets and Liabilities Assets $1.62 million Loans $1.20 million Deposits $1.38 million Equity Capital $242,000 Loan Loss Allowance $29,000 Unbacked Noncurrent Loans $21,000 Historic Data - December 2010 Assets $1.69 million Equity Capital $255,000 Loan Loss Allowance $38,000 Unbacked Noncurrent Loans $21,000 Profit Margin - Quarterly Net Interest Margin 7.68% Return on Assets -1.05% Return on Equity -7.02% Interest Income $101,000 Non-Interest Income $20,000

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 State Employees #84 Credit Union had $21,000 in non-current loans and owned real-estate with $271,000 in equity and loan loss allowances on hand to cover it. This gives State Employees #84 Credit Union a Texas Ratio of 7.75% 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 State Employees #84 Credit Union held steady from 7.17% as of December 31, 2010 to 7.75% as of December 31, 2011, resulting in a negative change of 8.12%. This indicates that the balance sheet and financial strength for State Employees #84 Credit Union has held steady in recent periods. Deposit Growth In the past year, State Employees #84 Credit Union has decreased its total deposits by $-57,000, resulting in -3.97% 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 Employees #84 Credit Union has shown is below 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 Employees #84 Credit Union has $1.62 million in assets with $271,000 in equity, resulting in a capitalization level of 16.71%, which is excellent.

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