People's First Credit Union

People's First Credit Union is headquartered in Tarrant and is the 97^th largest credit union in the state of Alabama. It is also the 5,374^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 4 employees and 1,200 members. People's First Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

People's First Credit Union Savings Account Rates

People's First Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics PEOPLE'S FIRST NCUA # 1610 BankRate Report View Year Chartered 1936 Employees 4 Primary Regulator Assets and Liabilities Assets $5.75 million Loans $3.72 million Deposits $4.98 million Equity Capital $757,000 Loan Loss Allowance $42,000 Unbacked Noncurrent Loans $77,000 Real Estate Owned $20,000 Historic Data - December 2010 Assets $5.68 million Equity Capital $732,000 Loan Loss Allowance $67,000 Unbacked Noncurrent Loans $84,000 Profit Margin - Quarterly Net Interest Margin 6.4% Return on Assets 0.42% Return on Equity 3.17% Interest Income $269,000 Non-Interest Income $37,000

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's First Credit Union had $97,000 in non-current loans and owned real-estate with $799,000 in equity and loan loss allowances on hand to cover it. This gives People's First Credit Union a Texas Ratio of 12.14% 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's First Credit Union held steady from 10.51% as of December 31, 2010 to 12.14% as of December 31, 2011, resulting in a negative change of 15.48%. This indicates that the balance sheet and financial strength for People's First Credit Union has held steady in recent periods. Deposit Growth In the past year, People's First Credit Union has increased its total deposits by $48,000, resulting in 0.97% 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's First Credit Union has shown is 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. People's First Credit Union has $5.74 million in assets with $799,000 in equity, resulting in a capitalization level of 13.91%, which is excellent.

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