Lancaster Pa Firemen Credit Union

Lancaster Pa Firemen Credit Union is headquartered in Lancaster and is the 456^th largest credit union in the state of Pennsylvania. It is also the 6,740^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 1 employees and 339 members. Lancaster Pa Firemen Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics LANCASTER PA FIREMEN NCUA # 2822 BankRate Report View Year Chartered 1938 Employees 1 Primary Regulator Assets and Liabilities Assets $929,000 Loans $678,000 Deposits $838,000 Equity Capital $91,000 Loan Loss Allowance $32,000 Unbacked Noncurrent Loans $61,000 Historic Data - December 2010 Assets $974,000 Equity Capital $104,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $31,000 Profit Margin - Quarterly Net Interest Margin 13.24% Return on Assets -1.4% Return on Equity -14.29% Interest Income $92,000 Non-Interest Income $2,000

Institution Health Overall Score: 3 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 Pa Firemen Credit Union had $61,000 in non-current loans and owned real-estate with $123,000 in equity and loan loss allowances on hand to cover it. This gives Lancaster Pa Firemen Credit Union a Texas Ratio of 49.59% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lancaster Pa Firemen Credit Union increased slightly from 28.44% as of December 31, 2010 to 49.59% as of December 31, 2011, resulting in a negative change of 74.38%. This indicates that the balance sheet and financial strength for Lancaster Pa Firemen Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Lancaster Pa Firemen Credit Union has decreased its total deposits by $-32,000, resulting in -3.68% 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 Pa Firemen Credit Union has shown is below 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. Lancaster Pa Firemen Credit Union has $929,000 in assets with $123,000 in equity, resulting in a capitalization level of 13.24%, which is excellent.

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