Heritage Valley Credit Union

Heritage Valley Credit Union is headquartered in York and is the 73^rd largest credit union in the state of Pennsylvania. It is also the 1,826^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 35 employees and 11,793 members. Heritage Valley Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics HERITAGE VALLEY NCUA # 303 BankRate Report View Year Chartered 1935 Employees 35 Primary Regulator Assets and Liabilities Assets $69.38 million Loans $37.15 million Deposits $61.42 million Equity Capital $7.08 million Loan Loss Allowance $467,000 Unbacked Noncurrent Loans $1.17 million Historic Data - December 2010 Assets $67.21 million Equity Capital $6.89 million Loan Loss Allowance $385,000 Unbacked Noncurrent Loans $1.03 million Profit Margin - Quarterly Net Interest Margin 7.57% Return on Assets 0.2% Return on Equity 2% Interest Income $3.48 million Non-Interest Income $1.50 million

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 Heritage Valley Credit Union had $1.17 million in non-current loans and owned real-estate with $7.55 million in equity and loan loss allowances on hand to cover it. This gives Heritage Valley Credit Union a Texas Ratio of 15.47% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Heritage Valley Credit Union held steady from 14.11% as of December 31, 2010 to 15.47% as of December 31, 2011, resulting in a negative change of 9.68%. This indicates that the balance sheet and financial strength for Heritage Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, Heritage Valley Credit Union has increased its total deposits by $1.63 million, resulting in 2.73% 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 Heritage Valley 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. Heritage Valley Credit Union has $69.38 million in assets with $7.55 million in equity, resulting in a capitalization level of 10.88%, which is above average.

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