Western Sun Credit Union

Western Sun Credit Union is headquartered in Broken Arrow and is the 16^st largest credit union in the state of Oklahoma. It is also the 1,320^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 41 employees and 21,558 members. Western Sun Credit Union's money market rates are 25% higher than the national average, and it has a 4-star health rating.

Western Sun Credit Union Checking Account Rates

Western Sun Credit Union Savings Account Rates

Western Sun Credit Union Money Market Rates

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Western Sun Credit Union IRA Rates

Data for Q4 2011

Institution Statistics WESTERN SUN NCUA # 4202 BankRate Report View Year Chartered 1940 Employees 41 Primary Regulator Assets and Liabilities Assets $112.33 million Loans $82.21 million Deposits $99.41 million Equity Capital $12.65 million Loan Loss Allowance $658,000 Unbacked Noncurrent Loans $1.47 million Real Estate Owned $43,000 Historic Data - December 2010 Assets $109.71 million Equity Capital $12.06 million Loan Loss Allowance $604,000 Unbacked Noncurrent Loans $811,000 Real Estate Owned $31,000 Profit Margin - Quarterly Net Interest Margin 5.3% Return on Assets 0.52% Return on Equity 4.66% Interest Income $5.40 million Non-Interest Income $1.26 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 Western Sun Credit Union had $1.51 million in non-current loans and owned real-estate with $13.31 million in equity and loan loss allowances on hand to cover it. This gives Western Sun Credit Union a Texas Ratio of 11.35% 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 Western Sun Credit Union held steady from 6.65% as of December 31, 2010 to 11.35% as of December 31, 2011, resulting in a negative change of 70.66%. This indicates that the balance sheet and financial strength for Western Sun Credit Union has held steady in recent periods. Deposit Growth In the past year, Western Sun Credit Union has increased its total deposits by $2.08 million, resulting in 2.14% 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 Western Sun 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. Western Sun Credit Union has $112.33 million in assets with $13.31 million in equity, resulting in a capitalization level of 11.85%, which is above average.

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