Lonza Credit Union

Lonza Credit Union is headquartered in Williamsport and is the 442^nd largest credit union in the state of Pennsylvania. It is also the 6,569^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to employees and 317 members. Lonza Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics LONZA NCUA # 14617 BankRate Report View Year Chartered 1961 Employees 0 Primary Regulator Assets and Liabilities Assets $1.36 million Loans $582,000 Deposits $1.20 million Equity Capital $151,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $7,000 Historic Data - December 2010 Assets $1.19 million Equity Capital $156,000 Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $22,000 Profit Margin - Quarterly Net Interest Margin 5.45% Return on Assets -0.37% Return on Equity -3.31% Interest Income $40,000 Non-Interest Income $1,000

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 Lonza Credit Union had $7,000 in non-current loans and owned real-estate with $160,000 in equity and loan loss allowances on hand to cover it. This gives Lonza Credit Union a Texas Ratio of 4.38% 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 Lonza Credit Union decreased significantly from 13.41% as of December 31, 2010 to 4.38% as of December 31, 2011, resulting in a positive change of 67.39%.This indicates that the balance sheet and financial strength for Lonza Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Lonza Credit Union has increased its total deposits by $174,000, resulting in 16.96% 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 Lonza 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. Lonza Credit Union has $1.36 million in assets with $160,000 in equity, resulting in a capitalization level of 11.79%, which is above average.

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