Parkview Community Credit Union

Parkview Community Credit Union is headquartered in McKeesport and is the 138^th largest credit union in the state of Pennsylvania. It is also the 2,736^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 13 employees and 6,043 members. Parkview Community Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics PARKVIEW COMMUNITY NCUA # 479 BankRate Report View Year Chartered 1935 Employees 13 Primary Regulator Assets and Liabilities Assets $34.54 million Loans $17.38 million Deposits $29.66 million Equity Capital $4.79 million Loan Loss Allowance $197,000 Unbacked Noncurrent Loans $133,000 Historic Data - December 2010 Assets $31.37 million Equity Capital $4.49 million Loan Loss Allowance $189,000 Unbacked Noncurrent Loans $348,000 Profit Margin - Quarterly Net Interest Margin 6.69% Return on Assets 0.16% Return on Equity 1.13% Interest Income $1.42 million Non-Interest Income $585,000

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 Parkview Community Credit Union had $133,000 in non-current loans and owned real-estate with $4.99 million in equity and loan loss allowances on hand to cover it. This gives Parkview Community Credit Union a Texas Ratio of 2.66% 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 Parkview Community Credit Union decreased significantly from 7.44% as of December 31, 2010 to 2.66% as of December 31, 2011, resulting in a positive change of 64.17%.This indicates that the balance sheet and financial strength for Parkview Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Parkview Community Credit Union has increased its total deposits by $3.06 million, resulting in 11.5% 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 Parkview Community 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. Parkview Community Credit Union has $34.54 million in assets with $4.99 million in equity, resulting in a capitalization level of 14.45%, which is excellent.

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