Chevron Valley Credit Union

Chevron Valley Credit Union is headquartered in BAKERSFIELD and is the 133^rd largest credit union in the state of California. It is also the 1,249^th largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 47 employees and 13,383 members. Chevron Valley Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics CHEVRON VALLEY NCUA # 60996 BankRate Report View Year Chartered 1935 Employees 47 Primary Regulator Assets and Liabilities Assets $126.26 million Loans $64.69 million Deposits $110.98 million Equity Capital $13.15 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $451,000 Historic Data - December 2011 Assets $118.19 million Equity Capital $12.65 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $1.17 million Real Estate Owned $469,000 Profit Margin - Quarterly Net Interest Margin 6.04% Return on Assets 0.38% Return on Equity 3.64% Interest Income $4.34 million Non-Interest Income $2.84 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 Chevron Valley Credit Union had $451,000 in non-current loans and owned real-estate with $14.36 million in equity and loan loss allowances on hand to cover it. This gives Chevron Valley Credit Union a Texas Ratio of 3.14% 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 Chevron Valley Credit Union decreased significantly from 11.48% as of December 31, 2011 to 3.14% as of December 31, 2012, resulting in a positive change of 72.65%.This indicates that the balance sheet and financial strength for Chevron Valley Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Chevron Valley Credit Union has increased its total deposits by $7.19 million, resulting in 6.92% 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 Chevron Valley 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. Chevron Valley Credit Union has $126.26 million in assets with $14.36 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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