Public Service Edwardspt Pl E Credit Union

Public Service Edwardspt Pl E Credit Union is headquartered in Linton and is the 174^th largest credit union in the state of Indiana. It is also the 6,588^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to employees and 337 members. Public Service Edwardspt Pl E Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics PUBLIC SERVICE EDWARDSPT PL E NCUA # 12619 BankRate Report View Year Chartered 1958 Employees 0 Primary Regulator Assets and Liabilities Assets $1.29 million Loans $1.13 million Deposits $1.11 million Equity Capital $175,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $17,000 Historic Data - December 2010 Assets $1.10 million Equity Capital $169,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $26,000 Profit Margin - Quarterly Net Interest Margin 4.34% Return on Assets 0.47% Return on Equity 3.43% Interest Income $62,000

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 Public Service Edwardspt Pl E Credit Union had $17,000 in non-current loans and owned real-estate with $182,000 in equity and loan loss allowances on hand to cover it. This gives Public Service Edwardspt Pl E Credit Union a Texas Ratio of 9.34% 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 Public Service Edwardspt Pl E Credit Union decreased slightly from 15.12% as of December 31, 2010 to 9.34% as of December 31, 2011, resulting in a positive change of 38.21%.This indicates that the balance sheet and financial strength for Public Service Edwardspt Pl E Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Public Service Edwardspt Pl E Credit Union has increased its total deposits by $181,000, resulting in 19.4% 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 Public Service Edwardspt Pl E 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. Public Service Edwardspt Pl E Credit Union has $1.29 million in assets with $182,000 in equity, resulting in a capitalization level of 14.12%, which is excellent.

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