White River CU (WA)

White River CU (WA) is headquartered in Enumclaw and is the 51^st largest credit union in the state of Washington. It is also the 2,180^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 15 employees and 5,749 members. White River CU (WA) has a 4-star health rating.

Data for Q4 2011

Institution Statistics WHITE RIVER NCUA # 67201 BankRate Report View Year Chartered 1952 Employees 15 Primary Regulator Assets and Liabilities Assets $52.86 million Loans $20.76 million Deposits $46.26 million Equity Capital $6.49 million Loan Loss Allowance $467,000 Unbacked Noncurrent Loans $1.29 million Real Estate Owned $287,000 Historic Data - December 2010 Assets $49.26 million Equity Capital $6.38 million Loan Loss Allowance $137,000 Unbacked Noncurrent Loans $207,000 Real Estate Owned $260,000 Profit Margin - Quarterly Net Interest Margin 6.82% Return on Assets 0.22% Return on Equity 1.77% Interest Income $1.69 million Non-Interest Income $660,000

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 White River CU (WA) had $1.58 million in non-current loans and owned real-estate with $6.96 million in equity and loan loss allowances on hand to cover it. This gives White River CU (WA) a Texas Ratio of 22.67% 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 White River CU (WA) increased slightly from 7.17% as of December 31, 2010 to 22.67% as of December 31, 2011, resulting in a negative change of 216.25%. This indicates that the balance sheet and financial strength for White River CU (WA) has declined slightly in recent periods. Deposit Growth In the past year, White River CU (WA) has increased its total deposits by $3.46 million, resulting in 8.1% 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 White River CU (WA) has shown is excellent. 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. White River CU (WA) has $52.86 million in assets with $6.96 million in equity, resulting in a capitalization level of 13.17%, which is excellent.

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