Eagle One Credit Union

Eagle One Credit Union is headquartered in PHILADELPHIA and is the 118^st largest credit union in the state of Pennsylvania. It is also the 2,411^st largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 19 employees and 8,244 members. Eagle One Credit Union has a 4-star health rating.

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Data for Q4 2012

Institution Statistics EAGLE ONE NCUA # 464 BankRate Report View Year Chartered 1935 Employees 19 Primary Regulator Assets and Liabilities Assets $44.66 million Loans $31.14 million Deposits $39.29 million Equity Capital $5.30 million Loan Loss Allowance $489,000 Unbacked Noncurrent Loans $834,000 Historic Data - December 2011 Assets $42.52 million Equity Capital $4.95 million Loan Loss Allowance $525,000 Unbacked Noncurrent Loans $634,000 Profit Margin - Quarterly Net Interest Margin 7.57% Return on Assets 0.6% Return on Equity 5.06% Interest Income $2.73 million Non-Interest Income $611,000

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, 2012 Eagle One Credit Union had $834,000 in non-current loans and owned real-estate with $5.79 million in equity and loan loss allowances on hand to cover it. This gives Eagle One Credit Union a Texas Ratio of 14.41% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Eagle One Credit Union held steady from 11.59% as of December 31, 2011 to 14.41% as of December 31, 2012, resulting in a negative change of 24.30%. This indicates that the balance sheet and financial strength for Eagle One Credit Union has held steady in recent periods. Deposit Growth In the past year, Eagle One Credit Union has increased its total deposits by $1.77 million, resulting in 4.73% 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 Eagle One Credit Union has shown is above 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. Eagle One Credit Union has $44.66 million in assets with $5.79 million in equity, resulting in a capitalization level of 12.96%, which is excellent.

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