Plumbers Local #27 Credit Union

Plumbers Local #27 Credit Union is headquartered in McKees Rocks and is the 420^th largest credit union in the state of Pennsylvania. It is also the 6,343^rd largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 1 employees and 636 members. Plumbers Local #27 Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics PLUMBERS LOCAL #27 NCUA # 24594 BankRate Report View Year Chartered 1962 Employees 1 Primary Regulator Assets and Liabilities Assets $1.97 million Loans $1.33 million Deposits $1.66 million Equity Capital $306,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $52,000 Historic Data - December 2010 Assets $1.78 million Equity Capital $252,000 Loan Loss Allowance $65,000 Unbacked Noncurrent Loans $45,000 Profit Margin - Quarterly Net Interest Margin 4.53% Return on Assets 3.05% Return on Equity 19.61% Interest Income $69,000

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 Plumbers Local #27 Credit Union had $52,000 in non-current loans and owned real-estate with $316,000 in equity and loan loss allowances on hand to cover it. This gives Plumbers Local #27 Credit Union a Texas Ratio of 16.46% 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 Plumbers Local #27 Credit Union held steady from 14.20% as of December 31, 2010 to 16.46% as of December 31, 2011, resulting in a negative change of 15.92%. This indicates that the balance sheet and financial strength for Plumbers Local #27 Credit Union has held steady in recent periods. Deposit Growth In the past year, Plumbers Local #27 Credit Union has increased its total deposits by $127,000, resulting in 8.31% 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 Plumbers Local #27 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. Plumbers Local #27 Credit Union has $1.96 million in assets with $316,000 in equity, resulting in a capitalization level of 16.08%, which is excellent.

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