Incol Credit Union

Incol Credit Union is headquartered in Old Forge and is the 201^st largest credit union in the state of Pennsylvania. It is also the 3,746^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 7 employees and 2,334 members. Incol Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

Incol Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics INCOL CREDIT UNION NCUA # 60413 BankRate Report View Year Chartered 1952 Employees 7 Primary Regulator Assets and Liabilities Assets $17.78 million Loans $8.64 million Deposits $16.04 million Equity Capital $1.74 million Loan Loss Allowance $115,000 Unbacked Noncurrent Loans $239,000 Real Estate Owned $46,000 Historic Data - December 2010 Assets $17.54 million Equity Capital $1.74 million Loan Loss Allowance $139,000 Unbacked Noncurrent Loans $489,000 Profit Margin - Quarterly Net Interest Margin 6.81% Return on Assets 0.02% Return on Equity 0.17% Interest Income $719,000 Non-Interest Income $113,000

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 Incol Credit Union had $285,000 in non-current loans and owned real-estate with $1.85 million in equity and loan loss allowances on hand to cover it. This gives Incol Credit Union a Texas Ratio of 15.37% 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 Incol Credit Union decreased significantly from 26.07% as of December 31, 2010 to 15.37% as of December 31, 2011, resulting in a positive change of 41.03%.This indicates that the balance sheet and financial strength for Incol Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Incol Credit Union has increased its total deposits by $247,000, resulting in 1.56% 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 Incol 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. Incol Credit Union has $17.78 million in assets with $1.85 million in equity, resulting in a capitalization level of 10.43%, which is above average.

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