Tucoemas Credit Union

Tucoemas Credit Union is headquartered in Visalia and is the 107^th largest credit union in the state of California. It is also the 861^st largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 81 employees and 34,624 members. Tucoemas Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics TUCOEMAS NCUA # 5718 BankRate Report View Year Chartered 1948 Employees 81 Primary Regulator Assets and Liabilities Assets $199.04 million Loans $124.04 million Deposits $184.68 million Equity Capital $13.79 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $563,000 Historic Data - December 2010 Assets $194.57 million Equity Capital $13.38 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $1.03 million Profit Margin - Quarterly Net Interest Margin 6.01% Return on Assets 0.3% Return on Equity 4.32% Interest Income $8.42 million Non-Interest Income $2.77 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 Tucoemas Credit Union had $563,000 in non-current loans and owned real-estate with $15.08 million in equity and loan loss allowances on hand to cover it. This gives Tucoemas Credit Union a Texas Ratio of 3.73% 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 Tucoemas Credit Union decreased significantly from 6.77% as of December 31, 2010 to 3.73% as of December 31, 2011, resulting in a positive change of 44.89%.This indicates that the balance sheet and financial strength for Tucoemas Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Tucoemas Credit Union has increased its total deposits by $5.63 million, resulting in 3.14% 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 Tucoemas 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. Tucoemas Credit Union has $199.04 million in assets with $15.08 million in equity, resulting in a capitalization level of 7.58%, which is below average.

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