Sun-Pacific Credit Union

Sun-Pacific Credit Union is headquartered in RICHMOND and is the 292^nd largest credit union in the state of California. It is also the 3,569^th largest credit union in the nation. It was established in 1946 and as of December of 2011, it had grown to 6 employees and 2,117 members. Sun-Pacific Credit Union's savings rates are 54% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics SUN-PACIFIC NCUA # 5359 BankRate Report View Year Chartered 1946 Employees 6 Primary Regulator Assets and Liabilities Assets $19.85 million Loans $10.26 million Deposits $15.97 million Equity Capital $3.85 million Loan Loss Allowance $144,000 Unbacked Noncurrent Loans $139,000 Historic Data - December 2010 Assets $19.65 million Equity Capital $3.57 million Loan Loss Allowance $425,000 Unbacked Noncurrent Loans $154,000 Profit Margin - Quarterly Net Interest Margin 8.04% Return on Assets 1.5% Return on Equity 7.73% Interest Income $956,000 Non-Interest Income $140,000

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, 2011 Sun-Pacific Credit Union had $139,000 in non-current loans and owned real-estate with $4 million in equity and loan loss allowances on hand to cover it. This gives Sun-Pacific Credit Union a Texas Ratio of 3.48% 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 Sun-Pacific Credit Union held steady from 3.85% as of December 31, 2010 to 3.48% as of December 31, 2011, resulting in a positive change of 9.74%.This indicates that the balance sheet and financial strength for Sun-Pacific Credit Union has held steady in recent periods. Deposit Growth In the past year, Sun-Pacific Credit Union has decreased its total deposits by $-79,000, resulting in -0.49% 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 Sun-Pacific 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. Sun-Pacific Credit Union has $19.85 million in assets with $4 million in equity, resulting in a capitalization level of 20.13%, which is excellent.

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