Vision One Credit Union

Vision One Credit Union is headquartered in SACRAMENTO and is the 209^th largest credit union in the state of California. It is also the 2,211^st largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 11 employees and 2,050 members. Vision One Credit Union's money market rates are 25% higher than the national average, and it boasts a 5-star health rating.

Vision One Credit Union Checking Account Rates

Vision One Credit Union Savings Account Rates

Vision One Credit Union Money Market Rates

Vision One Credit Union CD Rates

Vision One Credit Union IRA Rates

Data for Q4 2011

Institution Statistics VISION ONE NCUA # 63137 BankRate Report View Year Chartered 1951 Employees 11 Primary Regulator Assets and Liabilities Assets $51.42 million Loans $46.98 million Deposits $44.74 million Equity Capital $6.32 million Loan Loss Allowance $531,000 Unbacked Noncurrent Loans $145,000 Historic Data - December 2010 Assets $47.73 million Equity Capital $5.78 million Loan Loss Allowance $405,000 Unbacked Noncurrent Loans $152,000 Profit Margin - Quarterly Net Interest Margin 5.26% Return on Assets 1.05% Return on Equity 8.55% Interest Income $3.01 million Non-Interest Income $490,000

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 Vision One Credit Union had $145,000 in non-current loans and owned real-estate with $6.85 million in equity and loan loss allowances on hand to cover it. This gives Vision One Credit Union a Texas Ratio of 2.12% 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 Vision One Credit Union held steady from 2.46% as of December 31, 2010 to 2.12% as of December 31, 2011, resulting in a positive change of 13.88%.This indicates that the balance sheet and financial strength for Vision One Credit Union has held steady in recent periods. Deposit Growth In the past year, Vision One Credit Union has increased its total deposits by $3.07 million, resulting in 7.37% 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 Vision One 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. Vision One Credit Union has $51.42 million in assets with $6.85 million in equity, resulting in a capitalization level of 13.32%, which is excellent.

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