Blue Chip Credit Union

Blue Chip Credit Union is headquartered in HARRISBURG and is the 161^st largest credit union in the state of Pennsylvania. It is also the 3,108^th largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 10 employees and 2,941 members. Blue Chip Credit Union's money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

Blue Chip Credit Union Savings Account Rates

Blue Chip Credit Union Money Market Rates

Blue Chip Credit Union CD Rates

Blue Chip Credit Union IRA Rates

Data for Q4 2011

Institution Statistics BLUE CHIP NCUA # 24385 BankRate Report View Year Chartered 1948 Employees 10 Primary Regulator Assets and Liabilities Assets $26.58 million Loans $15.65 million Deposits $23.29 million Equity Capital $3.19 million Loan Loss Allowance $133,000 Unbacked Noncurrent Loans $86,000 Historic Data - December 2010 Assets $26.26 million Equity Capital $2.98 million Loan Loss Allowance $160,000 Unbacked Noncurrent Loans $152,000 Profit Margin - Quarterly Net Interest Margin 6.79% Return on Assets 0.78% Return on Equity 6.53% Interest Income $1.30 million Non-Interest Income $265,000

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 Blue Chip Credit Union had $86,000 in non-current loans and owned real-estate with $3.32 million in equity and loan loss allowances on hand to cover it. This gives Blue Chip Credit Union a Texas Ratio of 2.59% 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 Blue Chip Credit Union decreased significantly from 4.84% as of December 31, 2010 to 2.59% as of December 31, 2011, resulting in a positive change of 46.51%.This indicates that the balance sheet and financial strength for Blue Chip Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Blue Chip Credit Union has increased its total deposits by $72,000, resulting in 0.31% 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 Blue Chip 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. Blue Chip Credit Union has $26.58 million in assets with $3.32 million in equity, resulting in a capitalization level of 12.49%, which is excellent.

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