Par-Del Emp. Credit Union

Par-Del Emp. Credit Union is headquartered in WYOMING and is the 278^th largest credit union in the state of Pennsylvania. It is also the 4,745^th largest credit union in the nation. It was established in 1977 and as of December of 2011, it had grown to 2 employees and 865 members. Par-Del Emp. Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics PAR-DEL EMP. NCUA # 22723 BankRate Report View Year Chartered 1977 Employees 2 Primary Regulator Assets and Liabilities Assets $9.12 million Loans $2.48 million Deposits $8.13 million Equity Capital $915,000 Loan Loss Allowance $38,000 Unbacked Noncurrent Loans $45,000 Historic Data - December 2010 Assets $8.54 million Equity Capital $891,000 Loan Loss Allowance $39,000 Unbacked Noncurrent Loans $75,000 Profit Margin - Quarterly Net Interest Margin 6.67% Return on Assets 0.26% Return on Equity 2.62% Interest Income $288,000 Non-Interest Income $5,000

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 Par-Del Emp. Credit Union had $45,000 in non-current loans and owned real-estate with $953,000 in equity and loan loss allowances on hand to cover it. This gives Par-Del Emp. Credit Union a Texas Ratio of 4.72% 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 Par-Del Emp. Credit Union decreased significantly from 8.06% as of December 31, 2010 to 4.72% as of December 31, 2011, resulting in a positive change of 41.45%.This indicates that the balance sheet and financial strength for Par-Del Emp. Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Par-Del Emp. Credit Union has increased its total deposits by $538,000, resulting in 7.08% 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 Par-Del Emp. 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. Par-Del Emp. Credit Union has $9.12 million in assets with $953,000 in equity, resulting in a capitalization level of 10.45%, which is above average.

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