P S Gd Trenton Credit Union

P S Gd Trenton Credit Union is headquartered in MORRISVILLE and is the 473^rd largest credit union in the state of Pennsylvania. It is also the 6,878^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to employees and 194 members. P S Gd Trenton Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics P S GD TRENTON NCUA # 16217 BankRate Report View Year Chartered 1964 Employees 0 Primary Regulator Assets and Liabilities Assets $607,000 Loans $229,000 Deposits $537,000 Equity Capital $68,000 Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $20,000 Historic Data - December 2010 Assets $634,000 Equity Capital $81,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $23,000 Profit Margin - Quarterly Net Interest Margin 7.18% Return on Assets -2.14% Return on Equity -19.12% Interest Income $19,000

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 S Gd Trenton Credit Union had $20,000 in non-current loans and owned real-estate with $76,000 in equity and loan loss allowances on hand to cover it. This gives P S Gd Trenton Credit Union a Texas Ratio of 26.32% 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 S Gd Trenton Credit Union held steady from 26.44% as of December 31, 2010 to 26.32% as of December 31, 2011, resulting in a positive change of 0.46%.This indicates that the balance sheet and financial strength for P S Gd Trenton Credit Union has held steady in recent periods. Deposit Growth In the past year, P S Gd Trenton Credit Union has decreased its total deposits by $-13,000, resulting in -2.36% 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 S Gd Trenton Credit Union has shown is below average. 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 S Gd Trenton Credit Union has $607,000 in assets with $76,000 in equity, resulting in a capitalization level of 12.52%, which is excellent.

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