N C P D Credit Union

N C P D Credit Union is headquartered in Plainview and is the 24^th largest credit union in the state of New York. It is also the 327^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 16 employees and 14,823 members. N C P D Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

N C P D Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics N C P D NCUA # 3850 BankRate Report View Year Chartered 1940 Employees 16 Primary Regulator Assets and Liabilities Assets $597.79 million Loans $155.04 million Deposits $523.41 million Equity Capital $70.03 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $2.21 million Real Estate Owned $243,000 Historic Data - December 2010 Assets $539.80 million Equity Capital $56.55 million Loan Loss Allowance $3.45 million Unbacked Noncurrent Loans $2.13 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 1.52% Return on Equity 13% Interest Income $19.77 million Non-Interest Income $881,000

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 N C P D Credit Union had $2.45 million in non-current loans and owned real-estate with $71.51 million in equity and loan loss allowances on hand to cover it. This gives N C P D Credit Union a Texas Ratio of 3.42% 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 N C P D Credit Union held steady from 3.54% as of December 31, 2010 to 3.42% as of December 31, 2011, resulting in a positive change of 3.34%.This indicates that the balance sheet and financial strength for N C P D Credit Union has held steady in recent periods. Deposit Growth In the past year, N C P D Credit Union has increased its total deposits by $44.33 million, resulting in 9.25% 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 N C P D 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. N C P D Credit Union has $597.79 million in assets with $71.51 million in equity, resulting in a capitalization level of 11.96%, which is above average.

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