Ctce Credit Union

Ctce Credit Union is headquartered in READING and is the 66^th largest credit union in the state of Pennsylvania. It is also the 1,659^th largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 44 employees and 13,370 members. Ctce Credit Union has a 2-star health rating.

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Ctce Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics CTCE NCUA # 20138 BankRate Report View Year Chartered 1970 Employees 44 Primary Regulator Assets and Liabilities Assets $79.87 million Loans $71.54 million Deposits $73.74 million Equity Capital $5.18 million Loan Loss Allowance $629,000 Unbacked Noncurrent Loans $2.95 million Real Estate Owned $744,000 Historic Data - December 2010 Assets $83.89 million Equity Capital $5.39 million Loan Loss Allowance $317,000 Unbacked Noncurrent Loans $1.82 million Real Estate Owned $573,000 Profit Margin - Quarterly Net Interest Margin 5.1% Return on Assets -0.22% Return on Equity -3.34% Interest Income $4.27 million Non-Interest Income $1.87 million

Institution Health Overall Score: 2 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 Ctce Credit Union had $3.69 million in non-current loans and owned real-estate with $5.8 million in equity and loan loss allowances on hand to cover it. This gives Ctce Credit Union a Texas Ratio of 63.57% 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 Ctce Credit Union increased slightly from 41.86% as of December 31, 2010 to 63.57% as of December 31, 2011, resulting in a negative change of 51.85%. This indicates that the balance sheet and financial strength for Ctce Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Ctce Credit Union has decreased its total deposits by -$2.04 million, resulting in -2.69% 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 Ctce 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. Ctce Credit Union has $79.86 million in assets with $5.8 million in equity, resulting in a capitalization level of 7.27%, which is below average.

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