Transwest Credit Union

Transwest Credit Union is headquartered in SALT LAKE CITY and is the 16^st largest credit union in the state of Utah. It is also the 1,356^th largest credit union in the nation. It was established in 1985 and as of December of 2011, it had grown to 35 employees and 12,976 members. Transwest Credit Union has a 3-star health rating.

Transwest Credit Union Routing Number: 324079115

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Transwest Credit Union CD Rates

Data for Q4 2011

Institution Statistics TRANSWEST NCUA # 66705 BankRate Report View Year Chartered 1985 Employees 35 Primary Regulator Assets and Liabilities Assets $108.18 million Loans $81.47 million Deposits $101.65 million Equity Capital $3.95 million Loan Loss Allowance $2.58 million Unbacked Noncurrent Loans $158,000 Real Estate Owned $716,000 Historic Data - December 2010 Assets $111.19 million Equity Capital $3.08 million Loan Loss Allowance $3.21 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $1.94 million Profit Margin - Quarterly Net Interest Margin 5.49% Return on Assets 0.88% Return on Equity 24.08% Interest Income $5.11 million Non-Interest Income $1.72 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 Transwest Credit Union had $874,000 in non-current loans and owned real-estate with $6.54 million in equity and loan loss allowances on hand to cover it. This gives Transwest Credit Union a Texas Ratio of 13.37% 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 Transwest Credit Union decreased significantly from 51.46% as of December 31, 2010 to 13.37% as of December 31, 2011, resulting in a positive change of 74.02%.This indicates that the balance sheet and financial strength for Transwest Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Transwest Credit Union has decreased its total deposits by -$2.13 million, resulting in -2.06% 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 Transwest 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. Transwest Credit Union has $108.18 million in assets with $6.54 million in equity, resulting in a capitalization level of 6.04%, which is below average.

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