B V M S N Credit Union

B V M S N Credit Union is headquartered in Walnutport and is the 405^th largest credit union in the state of Pennsylvania. It is also the 6,215^st largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to employees and 382 members. B V M S N Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics B V M S N NCUA # 13821 BankRate Report View Year Chartered 1960 Employees 0 Primary Regulator Assets and Liabilities Assets $2.35 million Loans $724,000 Deposits $2.04 million Equity Capital $307,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $38,000 Historic Data - December 2010 Assets $2.20 million Equity Capital $310,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $22,000 Profit Margin - Quarterly Net Interest Margin 4.98% Return on Assets -0.04% Return on Equity -0.33% Interest Income $61,000

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 B V M S N Credit Union had $38,000 in non-current loans and owned real-estate with $314,000 in equity and loan loss allowances on hand to cover it. This gives B V M S N Credit Union a Texas Ratio of 12.10% 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 B V M S N Credit Union increased slightly from 6.94% as of December 31, 2010 to 12.10% as of December 31, 2011, resulting in a negative change of 74.38%. This indicates that the balance sheet and financial strength for B V M S N Credit Union has declined slightly in recent periods. Deposit Growth In the past year, B V M S N Credit Union has increased its total deposits by $148,000, resulting in 7.84% 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 B V M S N 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. B V M S N Credit Union has $2.35 million in assets with $314,000 in equity, resulting in a capitalization level of 13.38%, which is excellent.

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