Philadelphia Credit Union

Philadelphia Credit Union is headquartered in Philadelphia and is the 8^th largest credit union in the state of Pennsylvania. It is also the 236^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 216 employees and 105,482 members. Philadelphia Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics PHILADELPHIA NCUA # 7238 BankRate Report View Year Chartered 1951 Employees 216 Primary Regulator Assets and Liabilities Assets $812.24 million Loans $493.79 million Deposits $720.24 million Equity Capital $92.78 million Loan Loss Allowance $7.07 million Unbacked Noncurrent Loans $13.55 million Real Estate Owned $2.38 million Historic Data - December 2010 Assets $784.76 million Equity Capital $86.17 million Loan Loss Allowance $6.25 million Unbacked Noncurrent Loans $19.69 million Real Estate Owned $503,000 Profit Margin - Quarterly Net Interest Margin 6.09% Return on Assets 0.81% Return on Equity 7.12% Interest Income $36.60 million Non-Interest Income $14.43 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 Philadelphia Credit Union had $15.94 million in non-current loans and owned real-estate with $99.85 million in equity and loan loss allowances on hand to cover it. This gives Philadelphia Credit Union a Texas Ratio of 15.96% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Philadelphia Credit Union decreased slightly from 21.85% as of December 31, 2010 to 15.96% as of December 31, 2011, resulting in a positive change of 26.94%.This indicates that the balance sheet and financial strength for Philadelphia Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Philadelphia Credit Union has increased its total deposits by $22.65 million, resulting in 3.25% 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 Philadelphia 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. Philadelphia Credit Union has $812.24 million in assets with $99.85 million in equity, resulting in a capitalization level of 12.29%, which is excellent.

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