Dover-Phila Credit Union

Dover-Phila Credit Union is headquartered in DOVER and is the 13^st largest credit union in the state of Ohio. It is also the 605^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 70 employees and 35,036 members. Dover-Phila Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics DOVER-PHILA NCUA # 8822 BankRate Report View Year Chartered 1953 Employees 70 Primary Regulator Assets and Liabilities Assets $324.47 million Loans $151.39 million Deposits $273.16 million Equity Capital $44.83 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $1.92 million Historic Data - December 2010 Assets $308.95 million Equity Capital $40.84 million Loan Loss Allowance $901,000 Unbacked Noncurrent Loans $2.00 million Profit Margin - Quarterly Net Interest Margin 5.5% Return on Assets 1.09% Return on Equity 7.92% Interest Income $11.67 million Non-Interest Income $2.23 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, 2011 Dover-Phila Credit Union had $1.92 million in non-current loans and owned real-estate with $45.89 million in equity and loan loss allowances on hand to cover it. This gives Dover-Phila Credit Union a Texas Ratio of 4.18% 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 Dover-Phila Credit Union held steady from 4.80% as of December 31, 2010 to 4.18% as of December 31, 2011, resulting in a positive change of 12.87%.This indicates that the balance sheet and financial strength for Dover-Phila Credit Union has held steady in recent periods. Deposit Growth In the past year, Dover-Phila Credit Union has increased its total deposits by $13.68 million, resulting in 5.27% 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 Dover-Phila 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. Dover-Phila Credit Union has $324.47 million in assets with $45.89 million in equity, resulting in a capitalization level of 14.14%, which is excellent.

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