Pbc Credit Union

Pbc Credit Union is headquartered in WEST PALM BEACH and is the 58^th largest credit union in the state of Florida. It is also the 1,392^nd largest credit union in the nation. It was established in 1991 and as of December of 2011, it had grown to 53 employees and 29,520 members. Pbc Credit Union has a 5-star health rating.

Pbc Credit Union Routing Number: 267083323

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Data for Q4 2011

Institution Statistics PBC NCUA # 67521 BankRate Report View Year Chartered 1991 Employees 53 Primary Regulator Assets and Liabilities Assets $103.90 million Loans $66.60 million Deposits $91.20 million Equity Capital $11.22 million Loan Loss Allowance $2.30 million Unbacked Noncurrent Loans $1.41 million Real Estate Owned $488,000 Historic Data - December 2010 Assets $96.38 million Equity Capital $9.95 million Loan Loss Allowance $3.39 million Unbacked Noncurrent Loans $2.75 million Real Estate Owned $186,000 Profit Margin - Quarterly Net Interest Margin 5.81% Return on Assets 1.23% Return on Equity 11.34% Interest Income $3.95 million Non-Interest Income $3.27 million

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 Pbc Credit Union had $1.9 million in non-current loans and owned real-estate with $13.52 million in equity and loan loss allowances on hand to cover it. This gives Pbc Credit Union a Texas Ratio of 14.04% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pbc Credit Union decreased slightly from 22.00% as of December 31, 2010 to 14.04% as of December 31, 2011, resulting in a positive change of 36.20%.This indicates that the balance sheet and financial strength for Pbc Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Pbc Credit Union has increased its total deposits by $5.89 million, resulting in 6.9% 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 Pbc 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. Pbc Credit Union has $103.9 million in assets with $13.52 million in equity, resulting in a capitalization level of 13.02%, which is excellent.

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