I. U. 7 Credit Union

I. U. 7 Credit Union is headquartered in New Kensington and is the 190^th largest credit union in the state of Pennsylvania. It is also the 3,479^th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 2 employees and 2,081 members. I. U. 7 Credit Union has a 5-star health rating.

I. U. 7 Credit Union Savings Account Rates

I. U. 7 Credit Union CD Rates

I. U. 7 Credit Union IRA Rates

Data for Q4 2011

Institution Statistics I. U. 7 NCUA # 21140 BankRate Report View Year Chartered 1973 Employees 2 Primary Regulator Assets and Liabilities Assets $21.05 million Loans $11.85 million Deposits $18.31 million Equity Capital $2.50 million Loan Loss Allowance $87,000 Unbacked Noncurrent Loans $187,000 Historic Data - December 2010 Assets $20.59 million Equity Capital $2.37 million Loan Loss Allowance $65,000 Unbacked Noncurrent Loans $240,000 Profit Margin - Quarterly Net Interest Margin 4.54% Return on Assets 0.61% Return on Equity 5.12% Interest Income $793,000 Non-Interest Income $14,000

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 I. U. 7 Credit Union had $187,000 in non-current loans and owned real-estate with $2.59 million in equity and loan loss allowances on hand to cover it. This gives I. U. 7 Credit Union a Texas Ratio of 7.22% 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 I. U. 7 Credit Union decreased slightly from 9.84% as of December 31, 2010 to 7.22% as of December 31, 2011, resulting in a positive change of 26.63%.This indicates that the balance sheet and financial strength for I. U. 7 Credit Union has improved slightly in recent periods. Deposit Growth In the past year, I. U. 7 Credit Union has increased its total deposits by $381,000, resulting in 2.13% 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 I. U. 7 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. I. U. 7 Credit Union has $21.05 million in assets with $2.59 million in equity, resulting in a capitalization level of 12.30%, which is excellent.

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