P & G Mehoopany Employees Credit Union

P & G Mehoopany Employees Credit Union is headquartered in Tunkhannock and is the 59^th largest credit union in the state of Pennsylvania. It is also the 1,513^st largest credit union in the nation. It was established in 1972 and as of December of 2011, it had grown to 36 employees and 15,310 members. P & G Mehoopany Employees Credit Union has a 4-star health rating.

P & G Mehoopany Employees Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics P & G MEHOOPANY EMPLOYEES NCUA # 20861 BankRate Report View Year Chartered 1972 Employees 36 Primary Regulator Assets and Liabilities Assets $90.76 million Loans $50.01 million Deposits $83.21 million Equity Capital $7.44 million Loan Loss Allowance $197,000 Unbacked Noncurrent Loans $712,000 Historic Data - December 2010 Assets $86.29 million Equity Capital $7.43 million Loan Loss Allowance $226,000 Unbacked Noncurrent Loans $660,000 Profit Margin - Quarterly Net Interest Margin 5.86% Return on Assets 0.01% Return on Equity 0.13% Interest Income $3.69 million Non-Interest Income $1.00 million

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 P & G Mehoopany Employees Credit Union had $712,000 in non-current loans and owned real-estate with $7.63 million in equity and loan loss allowances on hand to cover it. This gives P & G Mehoopany Employees Credit Union a Texas Ratio of 9.33% 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 P & G Mehoopany Employees Credit Union held steady from 8.63% as of December 31, 2010 to 9.33% as of December 31, 2011, resulting in a negative change of 8.12%. This indicates that the balance sheet and financial strength for P & G Mehoopany Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, P & G Mehoopany Employees Credit Union has increased its total deposits by $4.37 million, resulting in 5.55% 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 & G Mehoopany Employees 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 & G Mehoopany Employees Credit Union has $90.76 million in assets with $7.63 million in equity, resulting in a capitalization level of 8.41%, which is average.

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