Frick Tri-County Credit Union

Frick Tri-County Credit Union is headquartered in Uniontown and is the 93^rd largest credit union in the state of Pennsylvania. It is also the 2,075^th largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 15 employees and 8,007 members. Frick Tri-County Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics FRICK TRI-COUNTY NCUA # 14775 BankRate Report View Year Chartered 1962 Employees 15 Primary Regulator Assets and Liabilities Assets $56.84 million Loans $20.54 million Deposits $52.16 million Equity Capital $4.56 million Loan Loss Allowance $93,000 Unbacked Noncurrent Loans $201,000 Historic Data - December 2010 Assets $48.97 million Equity Capital $4.32 million Loan Loss Allowance $131,000 Unbacked Noncurrent Loans $216,000 Profit Margin - Quarterly Net Interest Margin 6.63% Return on Assets 0.65% Return on Equity 8.11% Interest Income $2.08 million Non-Interest Income $415,000

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 Frick Tri-County Credit Union had $201,000 in non-current loans and owned real-estate with $4.65 million in equity and loan loss allowances on hand to cover it. This gives Frick Tri-County Credit Union a Texas Ratio of 4.32% 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 Frick Tri-County Credit Union held steady from 4.85% as of December 31, 2010 to 4.32% as of December 31, 2011, resulting in a positive change of 10.90%.This indicates that the balance sheet and financial strength for Frick Tri-County Credit Union has held steady in recent periods. Deposit Growth In the past year, Frick Tri-County Credit Union has increased its total deposits by $7.13 million, resulting in 15.83% 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 Frick Tri-County 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. Frick Tri-County Credit Union has $56.84 million in assets with $4.65 million in equity, resulting in a capitalization level of 8.19%, which is average.

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