A T & T Employees Pittsburgh Credit Union

A T & T Employees Pittsburgh Credit Union is headquartered in Pittsburgh and is the 276^th largest credit union in the state of Pennsylvania. It is also the 4,674^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 3 employees and 1,183 members. A T & T Employees Pittsburgh Credit Union has a 5-star health rating.

A T & T Employees Pittsburgh Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics A T & T EMPLOYEES PITTSBURGH NCUA # 200 BankRate Report View Year Chartered 1935 Employees 3 Primary Regulator Assets and Liabilities Assets $9.63 million Loans $2.90 million Deposits $7.14 million Equity Capital $2.49 million Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $24,000 Historic Data - December 2010 Assets $8.93 million Equity Capital $2.47 million Loan Loss Allowance $15,000 Unbacked Noncurrent Loans $20,000 Profit Margin - Quarterly Net Interest Margin 5.06% Return on Assets 0.17% Return on Equity 0.64% Interest Income $298,000 Non-Interest Income $21,000

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 T & T Employees Pittsburgh Credit Union had $24,000 in non-current loans and owned real-estate with $2.5 million in equity and loan loss allowances on hand to cover it. This gives A T & T Employees Pittsburgh Credit Union a Texas Ratio of 0.96% 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 T & T Employees Pittsburgh Credit Union held steady from 0.81% as of December 31, 2010 to 0.96% as of December 31, 2011, resulting in a negative change of 19.23%. This indicates that the balance sheet and financial strength for A T & T Employees Pittsburgh Credit Union has held steady in recent periods. Deposit Growth In the past year, A T & T Employees Pittsburgh Credit Union has increased its total deposits by $683,000, resulting in 10.58% 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 T & T Employees Pittsburgh Credit Union 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. A T & T Employees Pittsburgh Credit Union has $9.63 million in assets with $2.5 million in equity, resulting in a capitalization level of 25.95%, which is excellent.

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