P W C Employees Credit Union

P W C Employees Credit Union is headquartered in Woodbridge and is the 71^st largest credit union in the state of Virginia. It is also the 2,504^th largest credit union in the nation. It was established in 1971 and as of December of 2011, it had grown to 12 employees and 7,545 members. P W C Employees Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics P W C EMPLOYEES CREDIT UNION NCUA # 66975 BankRate Report View Year Chartered 1971 Employees 12 Primary Regulator Assets and Liabilities Assets $40.84 million Loans $20.79 million Deposits $35.63 million Equity Capital $5.16 million Loan Loss Allowance $820,000 Unbacked Noncurrent Loans $353,000 Historic Data - December 2010 Assets $39.36 million Equity Capital $4.98 million Loan Loss Allowance $761,000 Unbacked Noncurrent Loans $663,000 Profit Margin - Quarterly Net Interest Margin 7.81% Return on Assets 0.45% Return on Equity 3.57% Interest Income $1.83 million Non-Interest Income $800,000

Institution Health Overall Score: 5 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 W C Employees Credit Union had $353,000 in non-current loans and owned real-estate with $5.98 million in equity and loan loss allowances on hand to cover it. This gives P W C Employees Credit Union a Texas Ratio of 5.91% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for P W C Employees Credit Union decreased significantly from 11.55% as of December 31, 2010 to 5.91% as of December 31, 2011, resulting in a positive change of 48.84%.This indicates that the balance sheet and financial strength for P W C Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, P W C Employees Credit Union has increased its total deposits by $1.28 million, resulting in 3.72% 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 W 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 W C Employees Credit Union has $40.84 million in assets with $5.98 million in equity, resulting in a capitalization level of 14.63%, which is excellent.

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