Cmc-Fcpi Employees Credit Union

Cmc-Fcpi Employees Credit Union is headquartered in Scranton and is the 334^th largest credit union in the state of Pennsylvania. It is also the 5,265^th largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 4 employees and 1,890 members. Cmc-Fcpi Employees Credit Union's savings rates are 54% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics CMC-FCPI EMPLOYEES NCUA # 22174 BankRate Report View Year Chartered 1975 Employees 4 Primary Regulator Assets and Liabilities Assets $6.28 million Loans $3.60 million Deposits $5.59 million Equity Capital $687,000 Loan Loss Allowance $60,000 Unbacked Noncurrent Loans $151,000 Historic Data - December 2010 Assets $6.00 million Equity Capital $766,000 Loan Loss Allowance $44,000 Unbacked Noncurrent Loans $193,000 Profit Margin - Quarterly Net Interest Margin 8.86% Return on Assets -1.24% Return on Equity -11.35% Interest Income $342,000 Non-Interest Income $70,000

Institution Health Overall Score: 4 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 Cmc-Fcpi Employees Credit Union had $151,000 in non-current loans and owned real-estate with $747,000 in equity and loan loss allowances on hand to cover it. This gives Cmc-Fcpi Employees Credit Union a Texas Ratio of 20.21% 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 Cmc-Fcpi Employees Credit Union decreased slightly from 23.83% as of December 31, 2010 to 20.21% as of December 31, 2011, resulting in a positive change of 15.16%.This indicates that the balance sheet and financial strength for Cmc-Fcpi Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Cmc-Fcpi Employees Credit Union has increased its total deposits by $354,000, resulting in 6.76% 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 Cmc-Fcpi Employees 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. Cmc-Fcpi Employees Credit Union has $6.28 million in assets with $747,000 in equity, resulting in a capitalization level of 11.90%, which is above average.

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