Tri-Cities Community Credit Union

Tri-Cities Community Credit Union is headquartered in KENNEWICK and is the 77^th largest credit union in the state of Washington. It is also the 3,409^th largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 8 employees and 3,443 members. Tri-Cities Community Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics TRI-CITIES COMMUNITY NCUA # 19608 BankRate Report View Year Chartered 1969 Employees 8 Primary Regulator Assets and Liabilities Assets $22.06 million Loans $13.81 million Deposits $20.35 million Equity Capital $1.72 million Loan Loss Allowance $40,000 Unbacked Noncurrent Loans $45,000 Historic Data - December 2010 Assets $20.12 million Equity Capital $1.53 million Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $16,000 Profit Margin - Quarterly Net Interest Margin 4.62% Return on Assets 0.86% Return on Equity 11.02% Interest Income $781,000 Non-Interest Income $375,000

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 Tri-Cities Community Credit Union had $45,000 in non-current loans and owned real-estate with $1.76 million in equity and loan loss allowances on hand to cover it. This gives Tri-Cities Community Credit Union a Texas Ratio of 2.56% 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 Tri-Cities Community Credit Union held steady from 1.04% as of December 31, 2010 to 2.56% as of December 31, 2011, resulting in a negative change of 146.79%. This indicates that the balance sheet and financial strength for Tri-Cities Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Tri-Cities Community Credit Union has increased its total deposits by $1.94 million, resulting in 10.52% 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 Tri-Cities Community 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. Tri-Cities Community Credit Union has $22.06 million in assets with $1.76 million in equity, resulting in a capitalization level of 7.96%, which is below average.

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