Diamond Credit Union

Diamond Credit Union is headquartered in Pottstown and is the 20^th largest credit union in the state of Pennsylvania. It is also the 533^rd largest credit union in the nation. It was established in 1947 and as of December of 2012, it had grown to 114 employees and 43,845 members. Diamond Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Diamond Credit Union Routing Number: 231385154

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Data for Q4 2012

Institution Statistics DIAMOND NCUA # 68241 BankRate Report View Year Chartered 1947 Employees 114 Primary Regulator Assets and Liabilities Assets $385.17 million Loans $338.02 million Deposits $333.53 million Equity Capital $42.08 million Loan Loss Allowance $4.43 million Unbacked Noncurrent Loans $2.92 million Real Estate Owned $512,000 Historic Data - December 2011 Assets $379.35 million Equity Capital $38.61 million Loan Loss Allowance $4.26 million Unbacked Noncurrent Loans $3.16 million Real Estate Owned $227,000 Profit Margin - Quarterly Net Interest Margin 4.62% Return on Assets 0.92% Return on Equity 8.44% Interest Income $19.64 million Non-Interest Income $8.24 million

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, 2012 Diamond Credit Union had $3.43 million in non-current loans and owned real-estate with $46.51 million in equity and loan loss allowances on hand to cover it. This gives Diamond Credit Union a Texas Ratio of 7.38% 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 Diamond Credit Union held steady from 7.91% as of December 31, 2011 to 7.38% as of December 31, 2012, resulting in a positive change of 6.66%.This indicates that the balance sheet and financial strength for Diamond Credit Union has held steady in recent periods. Deposit Growth In the past year, Diamond Credit Union has decreased its total deposits by $-87,000, resulting in -0.03% 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 Diamond 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. Diamond Credit Union has $385.17 million in assets with $46.51 million in equity, resulting in a capitalization level of 12.07%, which is excellent.

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