Aliquippa Teachers Credit Union

Aliquippa Teachers Credit Union is headquartered in Aliquippa and is the 499^th largest credit union in the state of Pennsylvania. It is also the 7,092^nd largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to employees and 168 members. Aliquippa Teachers Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ALIQUIPPA TEACHERS NCUA # 2098 BankRate Report View Year Chartered 1937 Employees 0 Primary Regulator Assets and Liabilities Assets $256,000 Loans $87,000 Deposits $211,000 Equity Capital $45,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $5,000 Historic Data - December 2010 Assets $254,000 Equity Capital $45,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 7.57% Return on Assets 0% Return on Equity 0% Interest Income $7,000

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 Aliquippa Teachers Credit Union had $5,000 in non-current loans and owned real-estate with $46,000 in equity and loan loss allowances on hand to cover it. This gives Aliquippa Teachers Credit Union a Texas Ratio of 10.87% 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 Aliquippa Teachers Credit Union held steady from 8.70% as of December 31, 2010 to 10.87% as of December 31, 2011, resulting in a negative change of 25.00%. This indicates that the balance sheet and financial strength for Aliquippa Teachers Credit Union has held steady in recent periods. Deposit Growth In the past year, Aliquippa Teachers Credit Union has increased its total deposits by $2,000, resulting in 0.96% 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 Aliquippa Teachers 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. Aliquippa Teachers Credit Union has $256,000 in assets with $46,000 in equity, resulting in a capitalization level of 17.97%, which is excellent.

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