Lehigh Valley Educators Credit Union

Lehigh Valley Educators Credit Union is headquartered in Allentown and is the 22^nd largest credit union in the state of Pennsylvania. It is also the 680^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 29 employees and 15,913 members. Lehigh Valley Educators Credit Union has a 5-star health rating.

Lehigh Valley Educators Credit Union Routing Number: 231378996

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Data for Q4 2011

Institution Statistics LEHIGH VALLEY EDUCATORS NCUA # 64606 BankRate Report View Year Chartered 1934 Employees 29 Primary Regulator Assets and Liabilities Assets $275.29 million Loans $79.33 million Deposits $230.05 million Equity Capital $44.26 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.26 million Real Estate Owned $82,000 Historic Data - December 2010 Assets $263.27 million Equity Capital $40.94 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $1.67 million Profit Margin - Quarterly Net Interest Margin 4.8% Return on Assets 0.83% Return on Equity 5.19% Interest Income $8.37 million Non-Interest Income $991,000

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 Lehigh Valley Educators Credit Union had $1.34 million in non-current loans and owned real-estate with $45.27 million in equity and loan loss allowances on hand to cover it. This gives Lehigh Valley Educators Credit Union a Texas Ratio of 2.96% 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 Lehigh Valley Educators Credit Union decreased slightly from 3.98% as of December 31, 2010 to 2.96% as of December 31, 2011, resulting in a positive change of 25.61%.This indicates that the balance sheet and financial strength for Lehigh Valley Educators Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Lehigh Valley Educators Credit Union has increased its total deposits by $8.76 million, resulting in 3.96% 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 Lehigh Valley Educators 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. Lehigh Valley Educators Credit Union has $275.29 million in assets with $45.27 million in equity, resulting in a capitalization level of 16.45%, which is excellent.

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