Sunset Science Park Credit Union

Sunset Science Park Credit Union is headquartered in Portland and is the 49^th largest credit union in the state of Oregon. It is also the 2,747^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 5 employees and 2,136 members. Sunset Science Park Credit Union has a 4-star health rating.

Sunset Science Park Credit Union Savings Account Rates

Sunset Science Park Credit Union CD Rates

Data for Q4 2011

Institution Statistics SUNSET SCIENCE PARK NCUA # 13416 BankRate Report View Year Chartered 1960 Employees 5 Primary Regulator Assets and Liabilities Assets $34.20 million Loans $27.19 million Deposits $31.30 million Equity Capital $2.89 million Loan Loss Allowance $146,000 Unbacked Noncurrent Loans $36,000 Real Estate Owned $262,000 Historic Data - December 2010 Assets $29.81 million Equity Capital $2.67 million Loan Loss Allowance $35,000 Unbacked Noncurrent Loans $277,000 Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 0.66% Return on Equity 7.75% Interest Income $1.46 million Non-Interest Income $184,000

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 Sunset Science Park Credit Union had $298,000 in non-current loans and owned real-estate with $3.04 million in equity and loan loss allowances on hand to cover it. This gives Sunset Science Park Credit Union a Texas Ratio of 9.82% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sunset Science Park Credit Union held steady from 10.26% as of December 31, 2010 to 9.82% as of December 31, 2011, resulting in a positive change of 4.32%.This indicates that the balance sheet and financial strength for Sunset Science Park Credit Union has held steady in recent periods. Deposit Growth In the past year, Sunset Science Park Credit Union has increased its total deposits by $4.18 million, resulting in 15.4% 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 Sunset Science Park 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. Sunset Science Park Credit Union has $34.2 million in assets with $3.04 million in equity, resulting in a capitalization level of 8.88%, which is average.

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