Benchmark Credit Union

P.O. Box 2387
West Chester, PA 19380
800-999-9276
www.benchmarkfcu.org

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Benchmark Credit Union is headquartered in WEST CHESTER and is the 25^th largest credit union in the state of Pennsylvania. It is also the 734^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 40 employees and 13,359 members. Benchmark Credit Union's savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

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See Rates for: Savings | Money Market | CD | IRA

Benchmark Credit Union Savings Account Rates

Apy	Min	Max	Product
0.70%	$50k	-	Money Maker High Yield Savings Account
0.30%	$25k	-	Regular Share Account
0.30%	$25k	-	IRA Share Account
0.30%	$25k	-	Vacation Club Account
0.30%	$25k	-	Christmas Club Account
0.30%	$25k	-	Roth IRA Share Account
0.30%	$25k	-	Educational IRA Share Account

Benchmark Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$1k	-	Money Market Account

Benchmark Credit Union CD Rates

Apy	Min	Max	Product
1.99%	$1k	-	60 Month CD
1.94%	$2,500	-	60 Month Step-Up CD
1.59%	$1k	-	48 Month CD
1.54%	$2,500	-	48 Month Step-Up CD
1.40%	$1k	-	36 Month CD
1.35%	$2,500	-	36 Month Step-Up CD
1.19%	$1k	-	30 Month CD
1.14%	$2,500	-	30 Month Step-Up CD
1.04%	$1k	-	24 Month CD
0.99%	$2,500	-	24 Month Step-Up CD
0.80%	$1k	-	18 Month CD
0.68%	$1k	-	12 Month CD
0.40%	$1k	-	6 Month CD
0.25%	$2k	-	3 Month CD

Benchmark Credit Union IRA Rates

Apy	Min	Max	Product
1.99%	$1k	-	60 Month IRA
1.99%	$1k	-	60 Month Roth IRA
1.99%	$1k	-	60 Month Educational IRA
1.94%	$2,500	-	60 Month Step-Up IRA
1.94%	$2,500	-	60 Month Step-Up Roth IRA
1.94%	$2,500	-	60 Month Step-Up Educational IRA
1.59%	$1k	-	48 Month IRA
1.59%	$1k	-	48 Month Roth IRA
1.59%	$1k	-	48 Month Educational IRA
1.54%	$2,500	-	48 Month Step-Up IRA
1.54%	$2,500	-	48 Month Step-Up Roth IRA
1.54%	$2,500	-	48 Month Step-Up Educational IRA
1.40%	$1k	-	36 Month IRA
1.40%	$1k	-	36 Month Roth IRA
1.40%	$1k	-	36 Month Educational IRA
1.35%	$2,500	-	36 Month Step-Up IRA
1.35%	$2,500	-	36 Month Step-Up Roth IRA
1.35%	$2,500	-	36 Month Step-Up Educational IRA
1.19%	$1k	-	30 Month IRA
1.19%	$1k	-	30 Month Roth IRA
1.19%	$1k	-	30 Month Educational IRA
1.14%	$2,500	-	30 Month Step-Up IRA
1.14%	$2,500	-	30 Month Step-Up Roth IRA
1.14%	$2,500	-	30 Month Step-Up Educational IRA
1.04%	$1k	-	24 Month IRA
1.04%	$1k	-	24 Month Roth IRA
1.04%	$1k	-	24 Month Educational IRA
0.99%	$2,500	-	24 Month Step-Up IRA
0.99%	$2,500	-	24 Month Step-Up Roth IRA
0.99%	$2,500	-	24 Month Step-Up Educational IRA
0.80%	$1k	-	18 Month IRA
0.80%	$1k	-	18 Month Roth IRA
0.80%	$1k	-	18 Month Educational IRA
0.68%	$1k	-	12 Month IRA
0.68%	$1k	-	12 Month Roth IRA
0.68%	$1k	-	12 Month Educational IRA
0.40%	$1k	-	6 Month IRA
0.40%	$1k	-	6 Month Roth IRA
0.40%	$1k	-	6 Month Educational IRA
0.25%	$2k	-	3 Month IRA
0.25%	$2k	-	3 Month Educational IRA
0.25%	$2k	-	3 Month Roth IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BENCHMARK
NCUA #	3738
BankRate Report	View
Year Chartered	1940
Employees	40
Primary Regulator
Assets and Liabilities
Assets	$247.47 million
Loans	$128.42 million
Deposits	$217.97 million
Equity Capital	$29.52 million
Loan Loss Allowance	$987,000
Unbacked Noncurrent Loans	$755,000
Real Estate Owned	$109,000
Historic Data - December 2010
Assets	$251.57 million
Equity Capital	$27.92 million
Loan Loss Allowance	$657,000
Unbacked Noncurrent Loans	$1.28 million
Profit Margin - Quarterly
Net Interest Margin	4.57%
Return on Assets	0.42%
Return on Equity	3.55%
Interest Income	$9.65 million
Non-Interest Income	$967,000

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 Benchmark Credit Union had $864,000 in non-current loans and owned real-estate with $30.51 million in equity and loan loss allowances on hand to cover it. This gives Benchmark Credit Union a Texas Ratio of 2.83% 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 Benchmark Credit Union decreased slightly from 4.48% as of December 31, 2010 to 2.83% as of December 31, 2011, resulting in a positive change of 36.77%.This indicates that the balance sheet and financial strength for Benchmark Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Benchmark Credit Union has decreased its total deposits by -$5.43 million, resulting in -2.43% 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 Benchmark 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. Benchmark Credit Union has $247.47 million in assets with $30.51 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

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