Franklin-Oil Credit Union

Franklin-Oil Credit Union is headquartered in Franklin and is the 149^th largest credit union in the state of Pennsylvania. It is also the 2,952^nd largest credit union in the nation. It was established in 1974 and as of December of 2011, it had grown to 15 employees and 7,764 members. Franklin-Oil Credit Union's savings rates are 54% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics FRANKLIN-OIL CREDIT UNION NCUA # 65356 BankRate Report View Year Chartered 1974 Employees 15 Primary Regulator Assets and Liabilities Assets $29.68 million Loans $23.43 million Deposits $26.68 million Equity Capital $2.91 million Loan Loss Allowance $141,000 Unbacked Noncurrent Loans $392,000 Historic Data - December 2010 Assets $28.81 million Equity Capital $2.65 million Loan Loss Allowance $124,000 Unbacked Noncurrent Loans $388,000 Profit Margin - Quarterly Net Interest Margin 5.9% Return on Assets 0.88% Return on Equity 8.99% Interest Income $1.72 million Non-Interest Income $507,000

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, 2011 Franklin-Oil Credit Union had $392,000 in non-current loans and owned real-estate with $3.06 million in equity and loan loss allowances on hand to cover it. This gives Franklin-Oil Credit Union a Texas Ratio of 12.83% 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 Franklin-Oil Credit Union held steady from 13.98% as of December 31, 2010 to 12.83% as of December 31, 2011, resulting in a positive change of 8.23%.This indicates that the balance sheet and financial strength for Franklin-Oil Credit Union has held steady in recent periods. Deposit Growth In the past year, Franklin-Oil Credit Union has increased its total deposits by $922,000, resulting in 3.58% 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 Franklin-Oil 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. Franklin-Oil Credit Union has $29.68 million in assets with $3.06 million in equity, resulting in a capitalization level of 10.29%, which is above average.

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