Tulare County Credit Union

Tulare County Credit Union is headquartered in Tulare and is the 179^th largest credit union in the state of California. It is also the 1,792^nd largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 28 employees and 10,928 members. Tulare County Credit Union has a 4-star health rating.

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Tulare County Credit Union IRA Rates

Data for Q4 2011

Institution Statistics TULARE COUNTY NCUA # 3218 BankRate Report View Year Chartered 1939 Employees 28 Primary Regulator Assets and Liabilities Assets $71.51 million Loans $48.26 million Deposits $65.50 million Equity Capital $5.71 million Loan Loss Allowance $609,000 Unbacked Noncurrent Loans $537,000 Real Estate Owned $259,000 Historic Data - December 2010 Assets $69.41 million Equity Capital $5.44 million Loan Loss Allowance $956,000 Unbacked Noncurrent Loans $804,000 Profit Margin - Quarterly Net Interest Margin 4.92% Return on Assets 0.24% Return on Equity 3.05% Interest Income $2.99 million Non-Interest Income $1.02 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 Tulare County Credit Union had $796,000 in non-current loans and owned real-estate with $6.32 million in equity and loan loss allowances on hand to cover it. This gives Tulare County Credit Union a Texas Ratio of 12.59% 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 Tulare County Credit Union held steady from 12.56% as of December 31, 2010 to 12.59% as of December 31, 2011, resulting in a negative change of 0.26%. This indicates that the balance sheet and financial strength for Tulare County Credit Union has held steady in recent periods. Deposit Growth In the past year, Tulare County Credit Union has increased its total deposits by $1.83 million, resulting in 2.87% 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 Tulare County 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. Tulare County Credit Union has $71.51 million in assets with $6.32 million in equity, resulting in a capitalization level of 8.84%, which is average.

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