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Overview / Commentary
717.272.LFCU
300 Schneider Dr
Lebanon, PA 17046

Lebanon Credit Union is headquartered in Lebanon and is the 31st largest credit union in the state of Pennsylvania. It is also the 995th largest credit union in the nation. It was established in 1969 and as of March of 2014, it had grown to 43 employees and 20,868 members. Lebanon Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in or have a business or other legal entity in Lebanon County. - See Details

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Lebanon Credit Union had $626,000 in non-current loans and owned real-estate with $19.6 million in equity and loan loss allowances on hand to cover it. This gives Lebanon Credit Union a Texas Ratio of 3.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Lebanon Credit Union decreased dramatically from 6.38% as of March 31, 2013 to 3.19% as of March 31, 2014, resulting in a positive change of 49.94%.This indicates that the balance sheet and financial strength for Lebanon Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Lebanon Credit Union has increased its total deposits by $4.97 million, resulting in 3.12% 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 Lebanon Credit Union has shown is excellent.

Capitalization

GRADE:
B+

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. Lebanon Credit Union has $184.18 million in assets with $19.6 million in equity, resulting in a capitalization level of 10.64%, which is above average.

Institution Statistics

Overall
NCUA #19510
Year Chartered1969
Employees43
Primary Regulator
Assets and Liabilities
Assets$184.18 million
Loans$87.28 million
Deposits$164.60 million
Equity Capital$18.61 million
Loan Loss Allowance$994,000
Unbacked Noncurrent Loans$576,000
Real Estate Owned$50,000
Historic Data - March 2013
Assets$178.96 million
Equity Capital$17.49 million
Loan Loss Allowance$990,000
Unbacked Noncurrent Loans$576,000
Real Estate Owned$175,000
Profit Margin - Quarterly
Net Interest Margin1.43%
Return on Assets0.5%
Return on Equity4.94%
Interest Income$1.54 million
Rates
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Lebanon Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Share IRA
0.25%--Share Roth IRA
0.25%--Share CESA
0.25%--Share Roth Conversion IRA
0.15%--Christmas Club
0.15%--Vacation Club
0.10%$1k-Regular Share
0.10%--HSA Account

Lebanon Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$200k-Money Market Account

Lebanon Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.35%$100k-5 Year CD
1.00%$100k-4 Year CD
0.75%$100k-3 Year CD
0.65%$100k-2 Year CD
0.50%$100k-1 Year CD
0.40%$100k-6 Month CD

Lebanon Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.35%$100k-5 Year IRA
1.00%$100k-4 Year IRA
0.75%$100k-3 Year IRA
0.65%$100k-2 Year IRA
0.50%$100k-1 Year IRA
0.40%$100k-6 Month IRA
Locations


Lebanon Credit Union Locations
Branch Office300 Schneider DrLebanon, PA 17046
Branch Office301 E Evergreen RdLebanon, PA 17042-7508
Branch Office653 E Lincoln AveMyerstown, PA 17067-2218