Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
724-438-5123
235 Pittsburgh Street
Uniontown, PA 15401

Frick Tri-County Credit Union is headquartered in Uniontown and is the 79th largest credit union in the state of Pennsylvania. It is also the 1,913st largest credit union in the nation. It was established in 1962 and as of December of 2013, it had grown to 18 employees and 8,720 members. Frick Tri-County Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee or retiree of one of the several Select Employee Groups. Also open to those who live, work or worship in Fayette, Washington or Greene County. - See Details

Related Posts

Top Long-Term CD Rates at Frick Tri-County FCU in Southwestern PA - 6/25/2013

Frick Tri-County Federal Credit Union has started to offer something that we haven’t seen in awhile: a 3% CD. It has a special 10-year CD with a 3.00% APY. There’s also a special 7-year CD with a 2.00 ...

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q4 2013

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Frick Tri-County Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
A+

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, 2013 Frick Tri-County Credit Union had $460,000 in non-current loans and owned real-estate with $5.85 million in equity and loan loss allowances on hand to cover it. This gives Frick Tri-County Credit Union a Texas Ratio of 7.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Frick Tri-County Credit Union experienced no significant changes from 4.90% as of December 31, 2012 to 7.86% as of December 31, 2013, resulting in a negative change of 60.39%. This indicates that the balance sheet and financial strength for Frick Tri-County Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Frick Tri-County Credit Union has increased its total deposits by $881,000, resulting in 1.45% 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 above average.

Capitalization

GRADE:
C

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 $67.87 million in assets with $5.85 million in equity, resulting in a capitalization level of 8.62%, which is average.

Institution Statistics

Overall
NCUA #14775
Year Chartered1962
Employees18
Primary Regulator
Assets and Liabilities
Assets$67.87 million
Loans$25.09 million
Deposits$61.76 million
Equity Capital$5.73 million
Loan Loss Allowance$128,000
Unbacked Noncurrent Loans$460,000
Real Estate Owned$0
Historic Data - December 2012
Assets$66.13 million
Equity Capital$5.20 million
Loan Loss Allowance$105,000
Unbacked Noncurrent Loans$460,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.95%
Return on Assets0.77%
Return on Equity9.14%
Interest Income$2.15 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Frick Tri-County Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Frick Tri-County Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--IRA Share Account
0.35%--Christmas Club Account
0.35%--Vacation Club Account
0.25%--Share Savings Account

Frick Tri-County Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$50k-Money Market Account

Frick Tri-County Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$500-Share Draft

Frick Tri-County Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
3.00%$1k-10 Year CD Special
2.50%$1k-8 Year CD Special
1.60%$500-60 Month CD
1.30%$500-48 Month CD
1.00%$500-36 Month CD
0.55%$500-24 Month CD
0.35%$500-12 Month CD

Frick Tri-County Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
3.00%$1k-10 Year IRA Special
2.50%$1k-8 Year IRA CD Special
1.60%$500-60 Month IRA
1.30%$500-48 Month IRA
1.00%$500-36 Month IRA
0.55%$500-24 Month IRA
0.35%$500-12 Month IRA
Locations


Frick Tri-County Credit Union Locations
Branch Office62 McKean AveCharleroi, PA 15022
Branch Office222 Elm DrWaynesburg, PA 15370
Branch Office235 Pittsburgh StUniontown, PA 15401-2751
Branch Office1025 Jefferson AveWashington, PA 15301-2119