Riverfront Credit Union

Riverfront Credit Union is headquartered in Reading and is the 30^th largest credit union in the state of Pennsylvania. It is also the 961^st largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 46 employees and 21,041 members. Riverfront Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics RIVERFRONT NCUA # 5856 BankRate Report View Year Chartered 1948 Employees 46 Primary Regulator Assets and Liabilities Assets $170.13 million Loans $50.09 million Deposits $150.27 million Equity Capital $19.36 million Loan Loss Allowance $552,000 Unbacked Noncurrent Loans $377,000 Historic Data - December 2010 Assets $166.69 million Equity Capital $19.75 million Loan Loss Allowance $557,000 Unbacked Noncurrent Loans $442,000 Profit Margin - Quarterly Net Interest Margin 5.42% Return on Assets 0.1% Return on Equity 0.85% Interest Income $5.24 million Non-Interest Income $1.65 million

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 Riverfront Credit Union had $377,000 in non-current loans and owned real-estate with $19.92 million in equity and loan loss allowances on hand to cover it. This gives Riverfront Credit Union a Texas Ratio of 1.89% 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 Riverfront Credit Union held steady from 2.18% as of December 31, 2010 to 1.89% as of December 31, 2011, resulting in a positive change of 13.03%.This indicates that the balance sheet and financial strength for Riverfront Credit Union has held steady in recent periods. Deposit Growth In the past year, Riverfront Credit Union has increased its total deposits by $3.94 million, resulting in 2.69% 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 Riverfront 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. Riverfront Credit Union has $170.13 million in assets with $19.92 million in equity, resulting in a capitalization level of 11.71%, which is above average.

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