P S T C Employees Credit Union

P S T C Employees Credit Union is headquartered in Upper Darby and is the 139^th largest credit union in the state of Pennsylvania. It is also the 2,767^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 7 employees and 4,067 members. P S T C Employees Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics P S T C EMPLOYEES NCUA # 9622 BankRate Report View Year Chartered 1954 Employees 7 Primary Regulator Assets and Liabilities Assets $33.59 million Loans $22.21 million Deposits $29.06 million Equity Capital $4.49 million Loan Loss Allowance $452,000 Unbacked Noncurrent Loans $744,000 Historic Data - December 2010 Assets $32.18 million Equity Capital $4.12 million Loan Loss Allowance $172,000 Unbacked Noncurrent Loans $636,000 Profit Margin - Quarterly Net Interest Margin 6.92% Return on Assets 1.08% Return on Equity 8.11% Interest Income $2.00 million Non-Interest Income $148,000

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 P S T C Employees Credit Union had $744,000 in non-current loans and owned real-estate with $4.94 million in equity and loan loss allowances on hand to cover it. This gives P S T C Employees Credit Union a Texas Ratio of 15.06% 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 T C Employees Credit Union held steady from 14.81% as of December 31, 2010 to 15.06% as of December 31, 2011, resulting in a negative change of 1.68%. This indicates that the balance sheet and financial strength for P S T C Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, P S T C Employees Credit Union has increased its total deposits by $1.04 million, resulting in 3.73% 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 T C Employees Credit Union has shown is above 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 T C Employees Credit Union has $33.59 million in assets with $4.94 million in equity, resulting in a capitalization level of 14.71%, which is excellent.

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