Guthrie Credit Union

Guthrie Credit Union is headquartered in Sayre and is the 83^rd largest credit union in the state of Pennsylvania. It is also the 1,961^st largest credit union in the nation. It was established in 1979 and as of December of 2011, it had grown to 19 employees and 6,962 members. Guthrie Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics GUTHRIE NCUA # 23394 BankRate Report View Year Chartered 1979 Employees 19 Primary Regulator Assets and Liabilities Assets $62.02 million Loans $43.51 million Deposits $57.15 million Equity Capital $4.75 million Loan Loss Allowance $373,000 Unbacked Noncurrent Loans $537,000 Historic Data - December 2010 Assets $50.05 million Equity Capital $4.08 million Loan Loss Allowance $296,000 Unbacked Noncurrent Loans $206,000 Profit Margin - Quarterly Net Interest Margin 5.1% Return on Assets 0.89% Return on Equity 11.62% Interest Income $2.89 million Non-Interest Income $678,000

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 Guthrie Credit Union had $537,000 in non-current loans and owned real-estate with $5.12 million in equity and loan loss allowances on hand to cover it. This gives Guthrie Credit Union a Texas Ratio of 10.48% 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 Guthrie Credit Union increased slightly from 4.70% as of December 31, 2010 to 10.48% as of December 31, 2011, resulting in a negative change of 122.73%. This indicates that the balance sheet and financial strength for Guthrie Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Guthrie Credit Union has increased its total deposits by $11.26 million, resulting in 24.53% 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 Guthrie 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. Guthrie Credit Union has $62.02 million in assets with $5.12 million in equity, resulting in a capitalization level of 8.26%, which is average.

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