Vantage West Credit Union

Vantage West Credit Union is headquartered in TUCSON and is the 4^th largest credit union in the state of Arizona. It is also the 161^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 360 employees and 111,662 members. Vantage West Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Vantage West Credit Union Routing Number: 322174708

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Data for Q4 2011

Institution Statistics VANTAGE WEST NCUA # 68558 BankRate Report View Year Chartered 1955 Employees 360 Primary Regulator Assets and Liabilities Assets $1.12 billion Loans $864.27 million Deposits $968.16 million Equity Capital $132.83 million Loan Loss Allowance $13.92 million Unbacked Noncurrent Loans $17.87 million Real Estate Owned $1.04 million Historic Data - December 2010 Assets $1.07 billion Equity Capital $119.12 million Loan Loss Allowance $18.49 million Unbacked Noncurrent Loans $21.54 million Real Estate Owned $1.82 million Profit Margin - Quarterly Net Interest Margin 5.96% Return on Assets 1.19% Return on Equity 10.02% Interest Income $58.57 million Non-Interest Income $14.05 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 Vantage West Credit Union had $18.92 million in non-current loans and owned real-estate with $146.75 million in equity and loan loss allowances on hand to cover it. This gives Vantage West Credit Union a Texas Ratio of 12.89% 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 Vantage West Credit Union decreased slightly from 16.97% as of December 31, 2010 to 12.89% as of December 31, 2011, resulting in a positive change of 24.06%.This indicates that the balance sheet and financial strength for Vantage West Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Vantage West Credit Union has increased its total deposits by $21.93 million, resulting in 2.32% 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 Vantage West 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. Vantage West Credit Union has $1.12 billion in assets with $146.75 million in equity, resulting in a capitalization level of 13.15%, which is excellent.

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