Water And Power Community Credit Union

Water And Power Community Credit Union is headquartered in LOS ANGELES and is the 69^th largest credit union in the state of California. It is also the 417^st largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 103 employees and 36,167 members. Water And Power Community Credit Union's savings rates are 92% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics WATER AND POWER COMMUNITY NCUA # 68493 BankRate Report View Year Chartered 1936 Employees 103 Primary Regulator Assets and Liabilities Assets $464.70 million Loans $202.04 million Deposits $422.57 million Equity Capital $36.84 million Loan Loss Allowance $9.97 million Unbacked Noncurrent Loans $11.57 million Real Estate Owned $1.94 million Historic Data - December 2010 Assets $458.16 million Equity Capital $33.08 million Loan Loss Allowance $11.57 million Unbacked Noncurrent Loans $11.75 million Real Estate Owned $1.98 million Profit Margin - Quarterly Net Interest Margin 6.21% Return on Assets 0.57% Return on Equity 7.14% Interest Income $16.38 million Non-Interest Income $7.79 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, 2011 Water And Power Community Credit Union had $13.51 million in non-current loans and owned real-estate with $46.81 million in equity and loan loss allowances on hand to cover it. This gives Water And Power Community Credit Union a Texas Ratio of 28.86% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Water And Power Community Credit Union held steady from 30.75% as of December 31, 2010 to 28.86% as of December 31, 2011, resulting in a positive change of 6.17%.This indicates that the balance sheet and financial strength for Water And Power Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Water And Power Community Credit Union has increased its total deposits by $2.49 million, resulting in 0.59% 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 Water And Power Community Credit Union has shown is 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. Water And Power Community Credit Union has $464.7 million in assets with $46.81 million in equity, resulting in a capitalization level of 10.07%, which is above average.

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