Lancaster - Depew Credit Union

Lancaster - Depew Credit Union is headquartered in Depew and is the 132^nd largest credit union in the state of New York. It is also the 2,769^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 9 employees and 3,744 members. Lancaster - Depew Credit Union has a 5-star health rating.

Lancaster - Depew Credit Union Savings Account Rates

Lancaster - Depew Credit Union Money Market Rates

Lancaster - Depew Credit Union CD Rates

Data for Q4 2011

Institution Statistics LANCASTER - DEPEW NCUA # 11663 BankRate Report View Year Chartered 1957 Employees 9 Primary Regulator Assets and Liabilities Assets $33.56 million Loans $12.24 million Deposits $30.52 million Equity Capital $2.99 million Loan Loss Allowance $76,000 Unbacked Noncurrent Loans $94,000 Historic Data - December 2010 Assets $30.83 million Equity Capital $2.88 million Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $93,000 Profit Margin - Quarterly Net Interest Margin 5.3% Return on Assets 0.34% Return on Equity 3.78% Interest Income $988,000 Non-Interest Income $143,000

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 Lancaster - Depew Credit Union had $94,000 in non-current loans and owned real-estate with $3.07 million in equity and loan loss allowances on hand to cover it. This gives Lancaster - Depew Credit Union a Texas Ratio of 3.06% 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 Lancaster - Depew Credit Union held steady from 3.17% as of December 31, 2010 to 3.06% as of December 31, 2011, resulting in a positive change of 3.47%.This indicates that the balance sheet and financial strength for Lancaster - Depew Credit Union has held steady in recent periods. Deposit Growth In the past year, Lancaster - Depew Credit Union has increased its total deposits by $2.59 million, resulting in 9.27% 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 Lancaster - Depew 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. Lancaster - Depew Credit Union has $33.56 million in assets with $3.07 million in equity, resulting in a capitalization level of 9.15%, which is average.

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