Local 520 U A Credit Union

Local 520 U A Credit Union is headquartered in Harrisburg and is the 254^th largest credit union in the state of Pennsylvania. It is also the 4,433^rd largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 3 employees and 1,842 members. Local 520 U A Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics LOCAL 520 U A NCUA # 14283 BankRate Report View Year Chartered 1961 Employees 3 Primary Regulator Assets and Liabilities Assets $11.22 million Loans $3.67 million Deposits $9.41 million Equity Capital $1.75 million Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $26,000 Historic Data - December 2010 Assets $11.47 million Equity Capital $1.88 million Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $23,000 Profit Margin - Quarterly Net Interest Margin 5.46% Return on Assets -1.14% Return on Equity -7.32% Interest Income $323,000 Non-Interest Income $29,000

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 Local 520 U A Credit Union had $26,000 in non-current loans and owned real-estate with $1.76 million in equity and loan loss allowances on hand to cover it. This gives Local 520 U A Credit Union a Texas Ratio of 1.47% 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 Local 520 U A Credit Union held steady from 1.21% as of December 31, 2010 to 1.47% as of December 31, 2011, resulting in a negative change of 21.63%. This indicates that the balance sheet and financial strength for Local 520 U A Credit Union has held steady in recent periods. Deposit Growth In the past year, Local 520 U A Credit Union has decreased its total deposits by $-118,000, resulting in -1.24% 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 Local 520 U A 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. Local 520 U A Credit Union has $11.22 million in assets with $1.76 million in equity, resulting in a capitalization level of 15.72%, which is excellent.

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