Tucson Credit Union

Tucson Credit Union is headquartered in TUCSON and is the 11^st largest credit union in the state of Arizona. It is also the 609^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 116 employees and 45,786 members. Tucson Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics TUCSON NCUA # 2157 BankRate Report View Year Chartered 1937 Employees 116 Primary Regulator Assets and Liabilities Assets $318.05 million Loans $177.04 million Deposits $289.18 million Equity Capital $25.60 million Loan Loss Allowance $4.55 million Unbacked Noncurrent Loans $3.61 million Real Estate Owned $221,000 Historic Data - December 2010 Assets $296.39 million Equity Capital $23.19 million Loan Loss Allowance $5.72 million Unbacked Noncurrent Loans $5.56 million Real Estate Owned $32,000 Profit Margin - Quarterly Net Interest Margin 6.22% Return on Assets 0.77% Return on Equity 9.59% Interest Income $13.98 million Non-Interest Income $5.36 million

Institution Health Overall Score: 4 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 Tucson Credit Union had $3.83 million in non-current loans and owned real-estate with $30.16 million in equity and loan loss allowances on hand to cover it. This gives Tucson Credit Union a Texas Ratio of 12.69% 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 Tucson Credit Union decreased slightly from 19.33% as of December 31, 2010 to 12.69% as of December 31, 2011, resulting in a positive change of 34.34%.This indicates that the balance sheet and financial strength for Tucson Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Tucson Credit Union has increased its total deposits by $20.53 million, resulting in 7.64% 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 Tucson 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. Tucson Credit Union has $318.05 million in assets with $30.16 million in equity, resulting in a capitalization level of 9.48%, which is average.

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