Valley Health & Postal Employees Credit Union

Valley Health & Postal Employees Credit Union is headquartered in SALEM and is the 37^th largest credit union in the state of Oregon. It is also the 2,044^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 17 employees and 4,311 members. Valley Health & Postal Employees Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics VALLEY NCUA # 64169 BankRate Report View Year Chartered 1957 Employees 17 Primary Regulator Assets and Liabilities Assets $58.22 million Loans $30.38 million Deposits $52.89 million Equity Capital $5.10 million Loan Loss Allowance $473,000 Unbacked Noncurrent Loans $235,000 Real Estate Owned $622,000 Historic Data - December 2010 Assets $53.24 million Equity Capital $5.10 million Loan Loss Allowance $378,000 Unbacked Noncurrent Loans $328,000 Real Estate Owned $479,000 Profit Margin - Quarterly Net Interest Margin 7.61% Return on Assets 0% Return on Equity 0% Interest Income $2.64 million Non-Interest Income $529,000

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 Valley Health & Postal Employees Credit Union had $857,000 in non-current loans and owned real-estate with $5.57 million in equity and loan loss allowances on hand to cover it. This gives Valley Health & Postal Employees Credit Union a Texas Ratio of 15.39% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Valley Health & Postal Employees Credit Union held steady from 14.74% as of December 31, 2010 to 15.39% as of December 31, 2011, resulting in a negative change of 4.40%. This indicates that the balance sheet and financial strength for Valley Health & Postal Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Valley Health & Postal Employees Credit Union has increased its total deposits by $5.02 million, resulting in 10.48% 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 Valley Health & Postal Employees 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. Valley Health & Postal Employees Credit Union has $58.22 million in assets with $5.57 million in equity, resulting in a capitalization level of 9.57%, which is average.

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