Tempe Schools Credit Union

Tempe Schools Credit Union is headquartered in Tempe and is the 18^st largest credit union in the state of Arizona. It is also the 1,201^st largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 57 employees and 18,279 members. Tempe Schools Credit Union has a 4-star health rating.

Tempe Schools Credit Union Routing Number: 322173149

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Data for Q4 2012

Institution Statistics TEMPE SCHOOLS NCUA # 62937 BankRate Report View Year Chartered 1953 Employees 57 Primary Regulator Assets and Liabilities Assets $133.87 million Loans $76.91 million Deposits $123.18 million Equity Capital $9.85 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $2.36 million Real Estate Owned $125,000 Historic Data - December 2011 Assets $129.54 million Equity Capital $8.88 million Loan Loss Allowance $3.28 million Unbacked Noncurrent Loans $2.97 million Real Estate Owned $306,000 Profit Margin - Quarterly Net Interest Margin 5.81% Return on Assets 0.73% Return on Equity 9.95% Interest Income $5.16 million Non-Interest Income $2.39 million

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, 2012 Tempe Schools Credit Union had $2.49 million in non-current loans and owned real-estate with $12.36 million in equity and loan loss allowances on hand to cover it. This gives Tempe Schools Credit Union a Texas Ratio of 20.12% 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 Tempe Schools Credit Union decreased slightly from 26.98% as of December 31, 2011 to 20.12% as of December 31, 2012, resulting in a positive change of 25.40%.This indicates that the balance sheet and financial strength for Tempe Schools Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Tempe Schools Credit Union has increased its total deposits by $3.64 million, resulting in 3.04% 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 Tempe Schools Credit Union has shown is above 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. Tempe Schools Credit Union has $133.87 million in assets with $12.36 million in equity, resulting in a capitalization level of 9.23%, which is average.

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