P E F Credit Union

P E F Credit Union is headquartered in Highland Height and is the 123^rd largest credit union in the state of Ohio. It is also the 2,746^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 6 employees and 3,003 members. P E F Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics P E F NCUA # 12024 BankRate Report View Year Chartered 1957 Employees 6 Primary Regulator Assets and Liabilities Assets $34.21 million Loans $22.62 million Deposits $30.49 million Equity Capital $3.59 million Loan Loss Allowance $222,000 Unbacked Noncurrent Loans $1.59 million Historic Data - December 2010 Assets $31.06 million Equity Capital $3.67 million Loan Loss Allowance $35,000 Unbacked Noncurrent Loans $386,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets -0.12% Return on Equity -1.17% Interest Income $1.47 million Non-Interest Income $411,000

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 E F Credit Union had $1.59 million in non-current loans and owned real-estate with $3.82 million in equity and loan loss allowances on hand to cover it. This gives P E F Credit Union a Texas Ratio of 41.61% 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 P E F Credit Union increased slightly from 10.41% as of December 31, 2010 to 41.61% as of December 31, 2011, resulting in a negative change of 299.76%. This indicates that the balance sheet and financial strength for P E F Credit Union has declined slightly in recent periods. Deposit Growth In the past year, P E F Credit Union has increased its total deposits by $3.14 million, resulting in 11.47% 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 E F 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. P E F Credit Union has $34.21 million in assets with $3.82 million in equity, resulting in a capitalization level of 11.15%, which is above average.

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