Pennsylvania State Employees Credit Union

Pennsylvania State Employees Credit Union is headquartered in Harrisburg and is the 2^nd largest credit union in the state of Pennsylvania. It is also the 25^th largest credit union in the nation. It was established in 1933 and as of December of 2012, it had grown to 531 employees and 398,751 members. Pennsylvania State Employees Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics PENNSYLVANIA STATE EMPLOYEES NCUA # 64131 BankRate Report View Year Chartered 1933 Employees 531 Primary Regulator Assets and Liabilities Assets $4.00 billion Loans $2.75 billion Deposits $3.59 billion Equity Capital $366.98 million Loan Loss Allowance $39.21 million Unbacked Noncurrent Loans $19.99 million Real Estate Owned $448,000 Historic Data - December 2011 Assets $3.83 billion Equity Capital $353.50 million Loan Loss Allowance $37.11 million Unbacked Noncurrent Loans $16.34 million Real Estate Owned $416,000 Profit Margin - Quarterly Net Interest Margin 4.53% Return on Assets 0.79% Return on Equity 8.6% Interest Income $153.52 million Non-Interest Income $40.75 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, 2012 Pennsylvania State Employees Credit Union had $20.43 million in non-current loans and owned real-estate with $406.19 million in equity and loan loss allowances on hand to cover it. This gives Pennsylvania State Employees Credit Union a Texas Ratio of 5.03% 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 Pennsylvania State Employees Credit Union held steady from 4.29% as of December 31, 2011 to 5.03% as of December 31, 2012, resulting in a negative change of 17.26%. This indicates that the balance sheet and financial strength for Pennsylvania State Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Pennsylvania State Employees Credit Union has increased its total deposits by $146.62 million, resulting in 4.26% 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 Pennsylvania State Employees Credit Union has shown is above average. 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. Pennsylvania State Employees Credit Union has $4 billion in assets with $406.19 million in equity, resulting in a capitalization level of 10.15%, which is above average.

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