Lower East Side People's Credit Union

Lower East Side People's Credit Union is headquartered in NEW YORK and is the 137^th largest credit union in the state of New York. It is also the 2,829^th largest credit union in the nation. It was established in 1986 and as of December of 2011, it had grown to 16 employees and 6,040 members. Lower East Side People's Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics LOWER EAST SIDE PEOPLE'S NCUA # 24232 BankRate Report View Year Chartered 1986 Employees 16 Primary Regulator Assets and Liabilities Assets $32.07 million Loans $22.90 million Deposits $25.71 million Equity Capital $2.16 million Loan Loss Allowance $132,000 Unbacked Noncurrent Loans $1.17 million Real Estate Owned $89,000 Historic Data - December 2010 Assets $26.99 million Equity Capital $1.89 million Loan Loss Allowance $178,000 Unbacked Noncurrent Loans $1.03 million Profit Margin - Quarterly Net Interest Margin 6.4% Return on Assets 0.8% Return on Equity 11.84% Interest Income $1.55 million Non-Interest Income $869,000

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 Lower East Side People's Credit Union had $1.26 million in non-current loans and owned real-estate with $2.3 million in equity and loan loss allowances on hand to cover it. This gives Lower East Side People's Credit Union a Texas Ratio of 54.77% 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 Lower East Side People's Credit Union held steady from 49.85% as of December 31, 2010 to 54.77% as of December 31, 2011, resulting in a negative change of 9.86%. This indicates that the balance sheet and financial strength for Lower East Side People's Credit Union has held steady in recent periods. Deposit Growth In the past year, Lower East Side People's Credit Union has increased its total deposits by $2.96 million, resulting in 13% 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 Lower East Side People's 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. Lower East Side People's Credit Union has $32.06 million in assets with $2.3 million in equity, resulting in a capitalization level of 7.16%, which is below average.

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