C-B-W Schools Credit Union

C-B-W Schools Credit Union is headquartered in Sidman and is the 53^rd largest credit union in the state of Pennsylvania. It is also the 1,373^rd largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 12 employees and 12,378 members. C-B-W Schools Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics C-B-W SCHOOLS NCUA # 11374 BankRate Report View Year Chartered 1956 Employees 12 Primary Regulator Assets and Liabilities Assets $106.28 million Loans $23.40 million Deposits $77.86 million Equity Capital $28.15 million Loan Loss Allowance $76,000 Unbacked Noncurrent Loans $62,000 Historic Data - December 2010 Assets $105.91 million Equity Capital $27.51 million Loan Loss Allowance $47,000 Unbacked Noncurrent Loans $32,000 Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.47% Return on Equity 1.78% Interest Income $2.48 million Non-Interest Income $152,000

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-B-W Schools Credit Union had $62,000 in non-current loans and owned real-estate with $28.23 million in equity and loan loss allowances on hand to cover it. This gives C-B-W Schools Credit Union a Texas Ratio of 0.22% 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-B-W Schools Credit Union held steady from 0.12% as of December 31, 2010 to 0.22% as of December 31, 2011, resulting in a negative change of 89.13%. This indicates that the balance sheet and financial strength for C-B-W Schools Credit Union has held steady in recent periods. Deposit Growth In the past year, C-B-W Schools Credit Union has decreased its total deposits by $-156,000, resulting in -0.2% 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-B-W Schools 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. C-B-W Schools Credit Union has $106.28 million in assets with $28.23 million in equity, resulting in a capitalization level of 26.56%, which is excellent.

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