Visterra Credit Union

P.O. Box 9500
Moreno Valley, CA 92552
www.visterracu.org

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Visterra Credit Union is headquartered in MORENO VALLEY and is the 89^th largest credit union in the state of California. It is also the 595^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 111 employees and 31,999 members. Visterra Credit Union has a 4-star health rating.

Visterra Credit Union Routing Number: 322271038

$75 Checking Account Bonus and Some CD Deals at a SoCal Credit Union (Visterra) - 3/3/2008

Visterra Credit Union is having a new-branch promotion with some good deals at its new Stoneridge Branch. One of the deals is a $75 cash bonus or an iPod Shuffle for opening a checking account with a minimum of $250. Offer expires on 3/15/08.This special...

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See Rates for: Checking | Savings | Money Market | CD

Visterra Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$100k	-	Vantage Checking Account
0.05%	$50	-	Premium Checking Account

Visterra Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$50	-	Regular Saving Account
0.10%	$25	-	Holiday Saver Account
0.10%	-	-	Youth Account
0.10%	$100	-	IRA Accumulator Account

Visterra Credit Union Money Market Rates

Apy	Min	Max	Product
0.25%	$500k	-	Vantage Money Market Checking Account
0.15%	$100k	-	Money Market Daily Share Account

Visterra Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$2k	-	60 Month CD
1.30%	$2k	-	60 Month Bump Rate CD
1.10%	$2k	-	48 - 59 Month CD
0.80%	$2k	-	36 - 47 Month CD
0.55%	$2k	-	24 - 35 Month CD
0.45%	$2k	-	18 - 23 Month CD
0.45%	$2k	-	25 Month Bump Rate CD
0.35%	$2k	-	12 - 17 Month CD
0.30%	$2k	-	6 - 11 Month CD
0.25%	$2k	-	15 Month Bump Rate CD

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

VISTERRA
NCUA #	68390
BankRate Report	View
Year Chartered	1953
Employees	111
Primary Regulator
Assets and Liabilities
Assets	$329.78 million
Loans	$208.86 million
Deposits	$304.06 million
Equity Capital	$21.90 million
Loan Loss Allowance	$9.90 million
Unbacked Noncurrent Loans	$1.29 million
Real Estate Owned	$702,000
Historic Data - December 2010
Assets	$362.26 million
Equity Capital	$19.94 million
Loan Loss Allowance	$13.03 million
Unbacked Noncurrent Loans	$5.09 million
Real Estate Owned	$1.20 million
Profit Margin - Quarterly
Net Interest Margin	5.41%
Return on Assets	0.59%
Return on Equity	8.95%
Interest Income	$13.22 million
Non-Interest Income	$5.56 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 Visterra Credit Union had $1.99 million in non-current loans and owned real-estate with $31.8 million in equity and loan loss allowances on hand to cover it. This gives Visterra Credit Union a Texas Ratio of 6.26% 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 Visterra Credit Union decreased significantly from 19.07% as of December 31, 2010 to 6.26% as of December 31, 2011, resulting in a positive change of 67.15%.This indicates that the balance sheet and financial strength for Visterra Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Visterra Credit Union has decreased its total deposits by -$35.75 million, resulting in -10.52% 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 Visterra Credit Union has shown is poor.
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. Visterra Credit Union has $329.78 million in assets with $31.8 million in equity, resulting in a capitalization level of 9.64%, which is average.