P C Credit Union

P C Credit Union is headquartered in Port Allegany and is the 291^st largest credit union in the state of Pennsylvania. It is also the 4,878^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 4 employees and 1,319 members. P C Credit Union has a 3-star health rating.

P C Credit Union Savings Account Rates

P C Credit Union CD Rates

Data for Q4 2011

Institution Statistics P C NCUA # 10704 BankRate Report View Year Chartered 1955 Employees 4 Primary Regulator Assets and Liabilities Assets $8.28 million Loans $4.71 million Deposits $7.15 million Equity Capital $1.11 million Loan Loss Allowance $48,000 Unbacked Noncurrent Loans $244,000 Historic Data - December 2010 Assets $8.67 million Equity Capital $1.05 million Loan Loss Allowance $68,000 Unbacked Noncurrent Loans $150,000 Profit Margin - Quarterly Net Interest Margin 6.14% Return on Assets 0.65% Return on Equity 4.87% Interest Income $363,000 Non-Interest Income $38,000

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 P C Credit Union had $244,000 in non-current loans and owned real-estate with $1.16 million in equity and loan loss allowances on hand to cover it. This gives P C Credit Union a Texas Ratio of 21.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for P C Credit Union increased slightly from 13.38% as of December 31, 2010 to 21.11% as of December 31, 2011, resulting in a negative change of 57.74%. This indicates that the balance sheet and financial strength for P C Credit Union has declined slightly in recent periods. Deposit Growth In the past year, P C Credit Union has decreased its total deposits by $-410,000, resulting in -5.43% 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 P C 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. P C Credit Union has $8.28 million in assets with $1.16 million in equity, resulting in a capitalization level of 13.95%, which is excellent.

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