Tempe Schools Credit Union

Tempe Schools Credit Union is headquartered in TEMPE and is the 19^st largest credit union in the state of Arizona. It is also the 1,189^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 54 employees and 18,516 members. Tempe Schools Credit Union has a 3-star health rating.

Tempe Schools Credit Union Routing Number: 322173149

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Data for Q4 2011

Institution Statistics TEMPE SCHOOLS NCUA # 62937 BankRate Report View Year Chartered 1953 Employees 54 Primary Regulator Assets and Liabilities Assets $129.54 million Loans $79.37 million Deposits $119.55 million Equity Capital $8.88 million Loan Loss Allowance $3.28 million Unbacked Noncurrent Loans $2.97 million Real Estate Owned $306,000 Historic Data - December 2010 Assets $133.74 million Equity Capital $7.02 million Loan Loss Allowance $4.08 million Unbacked Noncurrent Loans $1.79 million Real Estate Owned $657,000 Profit Margin - Quarterly Net Interest Margin 6.12% Return on Assets 1.3% Return on Equity 19% Interest Income $6.06 million Non-Interest Income $2.41 million

Institution Health Overall Score: 3 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 Tempe Schools Credit Union had $3.28 million in non-current loans and owned real-estate with $12.16 million in equity and loan loss allowances on hand to cover it. This gives Tempe Schools Credit Union a Texas Ratio of 26.98% 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 held steady from 22.03% as of December 31, 2010 to 26.98% as of December 31, 2011, resulting in a negative change of 22.45%. This indicates that the balance sheet and financial strength for Tempe Schools Credit Union has held steady in recent periods. Deposit Growth In the past year, Tempe Schools Credit Union has decreased its total deposits by -$6.26 million, resulting in -4.97% 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 Tempe Schools 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. Tempe Schools Credit Union has $129.54 million in assets with $12.16 million in equity, resulting in a capitalization level of 9.38%, which is average.

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