The Focus

The Focus is headquartered in Oklahoma City and is the 21^st largest credit union in the state of Oklahoma. It is also the 1,563^rd largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 31 employees and 10,366 members. The Focus' money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

The Focus Savings Account Rates

The Focus Money Market Rates

The Focus CD Rates

The Focus IRA Rates

Data for Q4 2011

Institution Statistics THE FOCUS NCUA # 10283 BankRate Report View Year Chartered 1955 Employees 31 Primary Regulator Assets and Liabilities Assets $85.34 million Loans $65.39 million Deposits $78.32 million Equity Capital $6.49 million Loan Loss Allowance $823,000 Unbacked Noncurrent Loans $340,000 Real Estate Owned $142,000 Historic Data - December 2010 Assets $80.21 million Equity Capital $6.34 million Loan Loss Allowance $701,000 Unbacked Noncurrent Loans $815,000 Real Estate Owned $238,000 Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 0.18% Return on Equity 2.31% Interest Income $3.66 million Non-Interest Income $1.44 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, 2011 The Focus had $482,000 in non-current loans and owned real-estate with $7.32 million in equity and loan loss allowances on hand to cover it. This gives The Focus a Texas Ratio of 6.59% 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 The Focus decreased significantly from 14.96% as of December 31, 2010 to 6.59% as of December 31, 2011, resulting in a positive change of 55.97%.This indicates that the balance sheet and financial strength for The Focus has improved significantly in recent periods. Deposit Growth In the past year, The Focus has increased its total deposits by $4.83 million, resulting in 6.58% 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 The Focus 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. The Focus has $85.34 million in assets with $7.32 million in equity, resulting in a capitalization level of 8.57%, which is average.

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