Nfo Irvine Credit Union

Nfo Irvine Credit Union is headquartered in Warren and is the 277^th largest credit union in the state of Pennsylvania. It is also the 4,682^nd largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 5 employees and 2,088 members. Nfo Irvine Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Nfo Irvine Credit Union Savings Account Rates

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Nfo Irvine Credit Union IRA Rates

Data for Q4 2011

Institution Statistics NFO IRVINE NCUA # 11391 BankRate Report View Year Chartered 1956 Employees 5 Primary Regulator Assets and Liabilities Assets $9.59 million Loans $5.28 million Deposits $7.80 million Equity Capital $1.79 million Loan Loss Allowance $70,000 Unbacked Noncurrent Loans $194,000 Historic Data - December 2010 Assets $9.95 million Equity Capital $1.72 million Loan Loss Allowance $100,000 Unbacked Noncurrent Loans $147,000 Profit Margin - Quarterly Net Interest Margin 7.7% Return on Assets 0.63% Return on Equity 3.36% Interest Income $509,000 Non-Interest Income $30,000

Institution Health Overall Score: 4 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 Nfo Irvine Credit Union had $194,000 in non-current loans and owned real-estate with $1.86 million in equity and loan loss allowances on hand to cover it. This gives Nfo Irvine Credit Union a Texas Ratio of 10.46% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Nfo Irvine Credit Union held steady from 8.06% as of December 31, 2010 to 10.46% as of December 31, 2011, resulting in a negative change of 29.77%. This indicates that the balance sheet and financial strength for Nfo Irvine Credit Union has held steady in recent periods. Deposit Growth In the past year, Nfo Irvine Credit Union has decreased its total deposits by $-411,000, resulting in -5.01% 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 Nfo Irvine Credit Union has shown is poor. 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. Nfo Irvine Credit Union has $9.59 million in assets with $1.86 million in equity, resulting in a capitalization level of 19.35%, which is excellent.

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