People First Credit Union

People First Credit Union is headquartered in Allentown and is the 18^st largest credit union in the state of Pennsylvania. It is also the 498^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 131 employees and 51,145 members. People First Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics PEOPLE FIRST NCUA # 6885 BankRate Report View Year Chartered 1950 Employees 131 Primary Regulator Assets and Liabilities Assets $387.03 million Loans $191.14 million Deposits $348.59 million Equity Capital $37.16 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $4.65 million Historic Data - December 2010 Assets $358.48 million Equity Capital $32.67 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $2.02 million Profit Margin - Quarterly Net Interest Margin 6.45% Return on Assets 0.73% Return on Equity 7.61% Interest Income $17.61 million Non-Interest Income $5.40 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 People First Credit Union had $4.64 million in non-current loans and owned real-estate with $39.13 million in equity and loan loss allowances on hand to cover it. This gives People First Credit Union a Texas Ratio of 11.87% 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 People First Credit Union increased slightly from 5.88% as of December 31, 2010 to 11.87% as of December 31, 2011, resulting in a negative change of 101.94%. This indicates that the balance sheet and financial strength for People First Credit Union has declined slightly in recent periods. Deposit Growth In the past year, People First Credit Union has increased its total deposits by $23.49 million, resulting in 7.23% 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 People First 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. People First Credit Union has $387.03 million in assets with $39.13 million in equity, resulting in a capitalization level of 10.11%, which is above average.

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