Park View Credit Union

Park View Credit Union is headquartered in Harrisonburg and is the 36^th largest credit union in the state of Virginia. It is also the 1,352^nd largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 46 employees and 8,238 members. Park View Credit Union's savings rates are 73% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics PARK VIEW NCUA # 19541 BankRate Report View Year Chartered 1969 Employees 46 Primary Regulator Assets and Liabilities Assets $109.06 million Loans $80.55 million Deposits $99.03 million Equity Capital $9.00 million Loan Loss Allowance $739,000 Unbacked Noncurrent Loans $1.06 million Real Estate Owned $715,000 Historic Data - December 2010 Assets $98.99 million Equity Capital $8.38 million Loan Loss Allowance $741,000 Unbacked Noncurrent Loans $1.45 million Real Estate Owned $118,000 Profit Margin - Quarterly Net Interest Margin 4.9% Return on Assets 0.57% Return on Equity 6.94% Interest Income $4.65 million Non-Interest Income $1.48 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 Park View Credit Union had $1.77 million in non-current loans and owned real-estate with $9.74 million in equity and loan loss allowances on hand to cover it. This gives Park View Credit Union a Texas Ratio of 18.21% 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 Park View Credit Union held steady from 17.14% as of December 31, 2010 to 18.21% as of December 31, 2011, resulting in a negative change of 6.24%. This indicates that the balance sheet and financial strength for Park View Credit Union has held steady in recent periods. Deposit Growth In the past year, Park View Credit Union has increased its total deposits by $10.93 million, resulting in 12.41% 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 Park View 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. Park View Credit Union has $109.06 million in assets with $9.74 million in equity, resulting in a capitalization level of 8.93%, which is average.

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