C H E Credit Union

C H E Credit Union is headquartered in Chambersburg and is the 300^th largest credit union in the state of Pennsylvania. It is also the 4,984^th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 4 employees and 1,887 members. C H E Credit Union has a 5-star health rating.

C H E Credit Union Savings Account Rates

C H E Credit Union Money Market Rates

C H E Credit Union CD Rates

Data for Q4 2011

Institution Statistics C H E NCUA # 65353 BankRate Report View Year Chartered 1973 Employees 4 Primary Regulator Assets and Liabilities Assets $7.72 million Loans $5.33 million Deposits $7.18 million Equity Capital $513,000 Loan Loss Allowance $53,000 Unbacked Noncurrent Loans $8,000 Historic Data - December 2010 Assets $7.08 million Equity Capital $514,000 Loan Loss Allowance $48,000 Unbacked Noncurrent Loans $80,000 Profit Margin - Quarterly Net Interest Margin 7.23% Return on Assets 0% Return on Equity 0% Interest Income $400,000 Non-Interest Income $105,000

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 C H E Credit Union had $8,000 in non-current loans and owned real-estate with $566,000 in equity and loan loss allowances on hand to cover it. This gives C H E Credit Union a Texas Ratio of 1.41% 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 C H E Credit Union decreased significantly from 14.23% as of December 31, 2010 to 1.41% as of December 31, 2011, resulting in a positive change of 90.07%.This indicates that the balance sheet and financial strength for C H E Credit Union has improved significantly in recent periods. Deposit Growth In the past year, C H E Credit Union has increased its total deposits by $639,000, resulting in 9.76% 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 C H E 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. C H E Credit Union has $7.72 million in assets with $566,000 in equity, resulting in a capitalization level of 7.33%, which is below average.

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