Ppg & Associates Credit Union

Ppg & Associates Credit Union is headquartered in Creighton and is the 185^th largest credit union in the state of Pennsylvania. It is also the 3,427^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 6 employees and 3,475 members. Ppg & Associates Credit Union's CD rates are 68% higher than the national average, and it boasts a 5-star health rating.

Ppg & Associates Credit Union Savings Account Rates

Ppg & Associates Credit Union CD Rates

Data for Q4 2011

Institution Statistics PPG & ASSOCIATES NCUA # 370 BankRate Report View Year Chartered 1935 Employees 6 Primary Regulator Assets and Liabilities Assets $21.83 million Loans $5.12 million Deposits $17.64 million Equity Capital $3.92 million Loan Loss Allowance $46,000 Unbacked Noncurrent Loans $133,000 Historic Data - December 2010 Assets $20.76 million Equity Capital $4.16 million Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $179,000 Profit Margin - Quarterly Net Interest Margin 7.51% Return on Assets -0.91% Return on Equity -5.08% Interest Income $796,000 Non-Interest Income $24,000

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, 2011 Ppg & Associates Credit Union had $133,000 in non-current loans and owned real-estate with $3.96 million in equity and loan loss allowances on hand to cover it. This gives Ppg & Associates Credit Union a Texas Ratio of 3.36% 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 Ppg & Associates Credit Union decreased slightly from 4.26% as of December 31, 2010 to 3.36% as of December 31, 2011, resulting in a positive change of 21.18%.This indicates that the balance sheet and financial strength for Ppg & Associates Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Ppg & Associates Credit Union has increased its total deposits by $1.21 million, resulting in 7.36% 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 Ppg & Associates 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. Ppg & Associates Credit Union has $21.83 million in assets with $3.96 million in equity, resulting in a capitalization level of 18.15%, which is excellent.

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