Ingersoll-Rand Credit Union

Ingersoll-Rand Credit Union is headquartered in Athens and is the 81^st largest credit union in the state of Pennsylvania. It is also the 1,924^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 13 employees and 6,439 members. Ingersoll-Rand Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Ingersoll-Rand Credit Union IRA Rates

Data for Q4 2011

Institution Statistics INGERSOLL-RAND NCUA # 14425 BankRate Report View Year Chartered 1961 Employees 13 Primary Regulator Assets and Liabilities Assets $63.93 million Loans $17.04 million Deposits $52.49 million Equity Capital $10.96 million Loan Loss Allowance $125,000 Unbacked Noncurrent Loans $40,000 Historic Data - December 2010 Assets $59.30 million Equity Capital $10.71 million Loan Loss Allowance $167,000 Unbacked Noncurrent Loans $31,000 Profit Margin - Quarterly Net Interest Margin 6.78% Return on Assets 0.48% Return on Equity 2.77% Interest Income $2.23 million Non-Interest Income $458,000

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 Ingersoll-Rand Credit Union had $40,000 in non-current loans and owned real-estate with $11.08 million in equity and loan loss allowances on hand to cover it. This gives Ingersoll-Rand Credit Union a Texas Ratio of 0.36% 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 Ingersoll-Rand Credit Union held steady from 0.29% as of December 31, 2010 to 0.36% as of December 31, 2011, resulting in a negative change of 26.61%. This indicates that the balance sheet and financial strength for Ingersoll-Rand Credit Union has held steady in recent periods. Deposit Growth In the past year, Ingersoll-Rand Credit Union has increased its total deposits by $4.28 million, resulting in 8.88% 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 Ingersoll-Rand 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. Ingersoll-Rand Credit Union has $63.93 million in assets with $11.08 million in equity, resulting in a capitalization level of 17.33%, which is excellent.

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