Patterson-Kelley Employees Credit Union

Patterson-Kelley Employees Credit Union is headquartered in East Stroudsbur and is the 454^th largest credit union in the state of Pennsylvania. It is also the 6,709^th largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to employees and 471 members. Patterson-Kelley Employees Credit Union has a 2-star health rating.

Data for Q4 2011

Institution Statistics PATTERSON-KELLEY EMPLOYEES NCUA # 13295 BankRate Report View Year Chartered 1959 Employees 0 Primary Regulator Assets and Liabilities Assets $984,000 Loans $555,000 Deposits $920,000 Equity Capital $60,000 Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $49,000 Historic Data - December 2010 Assets $1.13 million Equity Capital $104,000 Loan Loss Allowance $32,000 Unbacked Noncurrent Loans $71,000 Profit Margin - Quarterly Net Interest Margin 7.2% Return on Assets -4.47% Return on Equity -73.33% Interest Income $45,000

Institution Health Overall Score: 2 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 Patterson-Kelley Employees Credit Union had $49,000 in non-current loans and owned real-estate with $83,000 in equity and loan loss allowances on hand to cover it. This gives Patterson-Kelley Employees Credit Union a Texas Ratio of 59.04% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Patterson-Kelley Employees Credit Union held steady from 52.21% as of December 31, 2010 to 59.04% as of December 31, 2011, resulting in a negative change of 13.08%. This indicates that the balance sheet and financial strength for Patterson-Kelley Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Patterson-Kelley Employees Credit Union has decreased its total deposits by $-103,000, resulting in -10.07% 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 Patterson-Kelley Employees Credit Union has shown is poor. 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. Patterson-Kelley Employees Credit Union has $984,000 in assets with $83,000 in equity, resulting in a capitalization level of 8.43%, which is average.

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