Americhoice Credit Union

Americhoice Credit Union is headquartered in Mechanicsburg and is the 33^rd largest credit union in the state of Pennsylvania. It is also the 997^th largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 59 employees and 15,269 members. Americhoice Credit Union's savings rates are 15% higher than the national average, and it has a 4-star health rating.

Americhoice Credit Union Checking Account Rates

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Data for Q4 2011

Institution Statistics AMERICHOICE NCUA # 20041 BankRate Report View Year Chartered 1970 Employees 59 Primary Regulator Assets and Liabilities Assets $162.18 million Loans $110.03 million Deposits $147.89 million Equity Capital $13.66 million Loan Loss Allowance $927,000 Unbacked Noncurrent Loans $279,000 Historic Data - December 2010 Assets $166.36 million Equity Capital $13.15 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $1.05 million Real Estate Owned $13,000 Profit Margin - Quarterly Net Interest Margin 5.27% Return on Assets 0.02% Return on Equity 0.29% Interest Income $7.12 million Non-Interest Income $1.18 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 Americhoice Credit Union had $279,000 in non-current loans and owned real-estate with $14.59 million in equity and loan loss allowances on hand to cover it. This gives Americhoice Credit Union a Texas Ratio of 1.91% 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 Americhoice Credit Union decreased significantly from 7.48% as of December 31, 2010 to 1.91% as of December 31, 2011, resulting in a positive change of 74.43%.This indicates that the balance sheet and financial strength for Americhoice Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Americhoice Credit Union has decreased its total deposits by -$4.27 million, resulting in -2.8% 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 Americhoice Credit Union has shown is below 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. Americhoice Credit Union has $162.18 million in assets with $14.59 million in equity, resulting in a capitalization level of 9.00%, which is average.

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