Union Yes Credit Union

Union Yes Credit Union is headquartered in ORANGE and is the 206^th largest credit union in the state of California. It is also the 2,144^th largest credit union in the nation. It was established in 1981 and as of December of 2011, it had grown to 15 employees and 18,171 members. Union Yes Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics UNION YES NCUA # 24131 BankRate Report View Year Chartered 1981 Employees 15 Primary Regulator Assets and Liabilities Assets $54.14 million Loans $31.04 million Deposits $49.96 million Equity Capital $3.32 million Loan Loss Allowance $87,000 Unbacked Noncurrent Loans $72,000 Historic Data - December 2010 Assets $52.80 million Equity Capital $3.65 million Loan Loss Allowance $101,000 Unbacked Noncurrent Loans $175,000 Profit Margin - Quarterly Net Interest Margin 5.7% Return on Assets -0.62% Return on Equity -10.03% Interest Income $2.40 million Non-Interest Income $714,000

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 Union Yes Credit Union had $72,000 in non-current loans and owned real-estate with $3.41 million in equity and loan loss allowances on hand to cover it. This gives Union Yes Credit Union a Texas Ratio of 2.11% 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 Union Yes Credit Union decreased significantly from 4.66% as of December 31, 2010 to 2.11% as of December 31, 2011, resulting in a positive change of 54.64%.This indicates that the balance sheet and financial strength for Union Yes Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Union Yes Credit Union has increased its total deposits by $977,000, resulting in 1.99% 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 Union Yes 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. Union Yes Credit Union has $54.14 million in assets with $3.41 million in equity, resulting in a capitalization level of 6.29%, which is below average.

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