Visterra Credit Union

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 623^rd largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 110 employees and 30,854 members. Visterra Credit Union has a 3-star health rating.

Visterra Credit Union Routing Number: 322271038

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Data for Q4 2012

Institution Statistics VISTERRA NCUA # 68390 BankRate Report View Year Chartered 1953 Employees 110 Primary Regulator Assets and Liabilities Assets $327.08 million Loans $201.62 million Deposits $297.86 million Equity Capital $24.68 million Loan Loss Allowance $7.38 million Unbacked Noncurrent Loans $3.92 million Real Estate Owned $225,000 Historic Data - December 2011 Assets $329.78 million Equity Capital $21.90 million Loan Loss Allowance $9.90 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $702,000 Profit Margin - Quarterly Net Interest Margin 5.22% Return on Assets 0.87% Return on Equity 11.51% Interest Income $11.86 million Non-Interest Income $5.24 million

Institution Health Overall Score: 3 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, 2012 Visterra Credit Union had $4.14 million in non-current loans and owned real-estate with $32.06 million in equity and loan loss allowances on hand to cover it. This gives Visterra Credit Union a Texas Ratio of 12.91% 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 Visterra Credit Union increased slightly from 6.26% as of December 31, 2011 to 12.91% as of December 31, 2012, resulting in a negative change of 106.09%. This indicates that the balance sheet and financial strength for Visterra Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Visterra Credit Union has decreased its total deposits by -$6.2 million, resulting in -2.04% 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 below 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. Visterra Credit Union has $327.08 million in assets with $32.06 million in equity, resulting in a capitalization level of 9.80%, which is average.