Cal-Ed Credit Union

Cal-Ed Credit Union is headquartered in CALIFORNIA and is the 152^nd largest credit union in the state of Pennsylvania. It is also the 2,957^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 7 employees and 5,971 members. Cal-Ed Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics CAL-ED NCUA # 13503 BankRate Report View Year Chartered 1960 Employees 7 Primary Regulator Assets and Liabilities Assets $29.59 million Loans $10.86 million Deposits $26.14 million Equity Capital $3.34 million Loan Loss Allowance $227,000 Unbacked Noncurrent Loans $1.01 million Real Estate Owned $250,000 Historic Data - December 2010 Assets $32.35 million Equity Capital $3.53 million Loan Loss Allowance $251,000 Unbacked Noncurrent Loans $1.66 million Real Estate Owned $112,000 Profit Margin - Quarterly Net Interest Margin 7.04% Return on Assets -0.63% Return on Equity -5.54% Interest Income $1.04 million Non-Interest Income $109,000

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 Cal-Ed Credit Union had $1.26 million in non-current loans and owned real-estate with $3.57 million in equity and loan loss allowances on hand to cover it. This gives Cal-Ed Credit Union a Texas Ratio of 35.39% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cal-Ed Credit Union decreased slightly from 46.97% as of December 31, 2010 to 35.39% as of December 31, 2011, resulting in a positive change of 24.66%.This indicates that the balance sheet and financial strength for Cal-Ed Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Cal-Ed Credit Union has decreased its total deposits by -$2.47 million, resulting in -8.65% 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 Cal-Ed Credit Union has shown is poor. 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. Cal-Ed Credit Union has $29.59 million in assets with $3.57 million in equity, resulting in a capitalization level of 12.06%, which is excellent.

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