Vons Employees Credit Union

Vons Employees Credit Union is headquartered in El Monte and is the 77^th largest credit union in the state of California. It is also the 529^th largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 96 employees and 41,485 members. Vons Employees Credit Union's CD rates are 11% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics VONS EMPLOYEES NCUA # 9230 BankRate Report View Year Chartered 1954 Employees 96 Primary Regulator Assets and Liabilities Assets $387.45 million Loans $187.70 million Deposits $301.24 million Equity Capital $80.42 million Loan Loss Allowance $4.79 million Unbacked Noncurrent Loans $1.70 million Historic Data - December 2011 Assets $370.86 million Equity Capital $74.31 million Loan Loss Allowance $4.57 million Unbacked Noncurrent Loans $1.81 million Profit Margin - Quarterly Net Interest Margin 6.19% Return on Assets 1.47% Return on Equity 7.07% Interest Income $14.66 million Non-Interest Income $9.66 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, 2012 Vons Employees Credit Union had $1.7 million in non-current loans and owned real-estate with $85.21 million in equity and loan loss allowances on hand to cover it. This gives Vons Employees Credit Union a Texas Ratio of 1.99% 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 Vons Employees Credit Union held steady from 2.30% as of December 31, 2011 to 1.99% as of December 31, 2012, resulting in a positive change of 13.30%.This indicates that the balance sheet and financial strength for Vons Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Vons Employees Credit Union has increased its total deposits by $10.45 million, resulting in 3.59% 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 Vons Employees 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. Vons Employees Credit Union has $387.45 million in assets with $85.21 million in equity, resulting in a capitalization level of 21.99%, which is excellent.

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