Bva Credit Union

Bva Credit Union is headquartered in BELLE VERNON and is the 160^th largest credit union in the state of Pennsylvania. It is also the 3,088^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 5 employees and 3,183 members. Bva Credit Union's CD rates are 57% higher than the national average, and it has a 3-star health rating.

Bva Credit Union Savings Account Rates

Bva Credit Union Money Market Rates

Bva Credit Union CD Rates

Data for Q4 2011

Institution Statistics BVA NCUA # 16063 BankRate Report View Year Chartered 1964 Employees 5 Primary Regulator Assets and Liabilities Assets $27.10 million Loans $21.95 million Deposits $24.79 million Equity Capital $2.31 million Loan Loss Allowance $270,000 Unbacked Noncurrent Loans $560,000 Historic Data - December 2010 Assets $27.88 million Equity Capital $1.77 million Loan Loss Allowance $227,000 Unbacked Noncurrent Loans $172,000 Profit Margin - Quarterly Net Interest Margin 4.94% Return on Assets 1.97% Return on Equity 23.15% Interest Income $1.34 million Non-Interest Income $176,000

Institution Health Overall Score: 3 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 Bva Credit Union had $560,000 in non-current loans and owned real-estate with $2.58 million in equity and loan loss allowances on hand to cover it. This gives Bva Credit Union a Texas Ratio of 21.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bva Credit Union increased slightly from 8.61% as of December 31, 2010 to 21.73% as of December 31, 2011, resulting in a negative change of 152.43%. This indicates that the balance sheet and financial strength for Bva Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Bva Credit Union has decreased its total deposits by -$1.3 million, resulting in -5% 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 Bva 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. Bva Credit Union has $27.1 million in assets with $2.58 million in equity, resulting in a capitalization level of 9.51%, which is average.

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