E C A I Credit Union

E C A I Credit Union is headquartered in Philadelphia and is the 462^nd largest credit union in the state of Pennsylvania. It is also the 6,788^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to employees and 76 members. E C A I Credit Union has a 1-star health rating.

Data for Q4 2011

Institution Statistics E C A I NCUA # 16920 BankRate Report View Year Chartered 1965 Employees 0 Primary Regulator Assets and Liabilities Assets $833,000 Loans $455,000 Deposits $761,000 Equity Capital $70,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $100,000 Historic Data - December 2010 Assets $930,000 Equity Capital $79,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $36,000 Profit Margin - Quarterly Net Interest Margin 4.88% Return on Assets -0.96% Return on Equity -11.43% Interest Income $29,000

Institution Health Overall Score: 1 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 E C A I Credit Union had $100,000 in non-current loans and owned real-estate with $75,000 in equity and loan loss allowances on hand to cover it. This gives E C A I Credit Union a Texas Ratio of 133.33% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for E C A I Credit Union increased slightly from 42.35% as of December 31, 2010 to 133.33% as of December 31, 2011, resulting in a negative change of 214.81%. This indicates that the balance sheet and financial strength for E C A I Credit Union has declined slightly in recent periods. Deposit Growth In the past year, E C A I Credit Union has decreased its total deposits by $-89,000, resulting in -10.47% 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 E C A I Credit Union has shown is poor. 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. E C A I Credit Union has $833,000 in assets with $75,000 in equity, resulting in a capitalization level of 9.00%, which is average.

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