A & S Credit Union

A & S Credit Union is headquartered in ALIQUIPPA and is the 188^th largest credit union in the state of Pennsylvania. It is also the 3,465^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 4 employees and 2,530 members. A & S Credit Union's savings rates are 37% higher than the national average, and it boasts a 5-star health rating.

A & S Credit Union Savings Account Rates

A & S Credit Union CD Rates

Data for Q4 2011

Institution Statistics A & S NCUA # 3741 BankRate Report View Year Chartered 1940 Employees 4 Primary Regulator Assets and Liabilities Assets $21.24 million Loans $7.97 million Deposits $18.22 million Equity Capital $2.95 million Loan Loss Allowance $105,000 Unbacked Noncurrent Loans $189,000 Historic Data - December 2010 Assets $20.90 million Equity Capital $2.81 million Loan Loss Allowance $106,000 Unbacked Noncurrent Loans $330,000 Profit Margin - Quarterly Net Interest Margin 6.27% Return on Assets 0.64% Return on Equity 4.58% Interest Income $695,000 Non-Interest Income $147,000

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, 2011 A & S Credit Union had $189,000 in non-current loans and owned real-estate with $3.05 million in equity and loan loss allowances on hand to cover it. This gives A & S Credit Union a Texas Ratio of 6.19% 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 A & S Credit Union decreased significantly from 11.32% as of December 31, 2010 to 6.19% as of December 31, 2011, resulting in a positive change of 45.28%.This indicates that the balance sheet and financial strength for A & S Credit Union has improved significantly in recent periods. Deposit Growth In the past year, A & S Credit Union has increased its total deposits by $196,000, resulting in 1.09% 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 A & S 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. A & S Credit Union has $21.24 million in assets with $3.05 million in equity, resulting in a capitalization level of 14.37%, which is excellent.

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