Rohm & Haas Emp Credit Union
100 S Independence Mall W Bsmt B
Philadelphia, PA 191062320
www.rhcu.com
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Rohm & Haas Emp Credit Union is headquartered in Philadelphia and is the 156th largest credit union in the state of Pennsylvania. It is also the 3,021st largest credit union in the nation. It was established in 1945 and as of December of 2011, it had grown to 6 employees and 3,272 members. Rohm & Haas Emp Credit Union has a 4-star health rating.
See Rates for: Savings |
Money Market |
CD |
IRA
Rohm & Haas Emp Credit Union Savings Account Rates
|
Apy | Min | Max | Product |
| 0.20% | - | - | Regular Share Saving Account |
| 0.20% | - | - | Club Account |
| 0.20% | - | - | Regular IRA Share Account |
| 0.20% | - | - | Regular CESA Share Account |
| 0.20% | - | - | Regular Roth IRA Share Account |
Rohm & Haas Emp Credit Union Money Market Rates
Rohm & Haas Emp Credit Union CD Rates
|
Apy | Min | Max | Product |
| 0.50% | $500 | - | 12 Month CD |
| 0.50% | $500 | - | 30 Month CD |
| 0.50% | $500 | - | 60 Month CD |
| 0.40% | $500 | - | 9 Month CD |
| 0.35% | $500 | - | 6 Month CD |
Rohm & Haas Emp Credit Union IRA Rates
|
Apy | Min | Max | Product |
| 0.50% | $500 | - | 12 Month IRA |
| 0.50% | $500 | - | 30 Month IRA |
| 0.50% | $500 | - | 60 Month IRA |
| 0.50% | $500 | - | 12 Month Roth IRA |
| 0.50% | $500 | - | 30 Month Roth IRA |
| 0.50% | $500 | - | 60 Month Roth IRA |
| 0.50% | $500 | - | 12 Month CESA |
| 0.50% | $500 | - | 30 Month CESA |
| 0.50% | $500 | - | 60 Month CESA |
| 0.40% | $500 | - | 9 Month IRA |
| 0.40% | $500 | - | 9 Month Roth IRA |
| 0.40% | $500 | - | 9 Month CESA |
| 0.35% | $500 | - | 6 Month IRA |
| 0.35% | $500 | - | 6 Month Roth IRA |
| 0.35% | $500 | - | 6 Month CESA |
Rates updated: 5/27/2012
Data for Q4 2011
Institution Statistics
| ROHM & HAAS EMP | | NCUA # | 5160 | | BankRate Report | View | | Year Chartered | 1945 | | Employees | 6 | | Primary Regulator | |
Assets and Liabilities | | Assets | $28.44 million | | Loans | $6.52 million | | Deposits | $24.05 million | | Equity Capital | $4.23 million | | Loan Loss Allowance | $93,000 | | Unbacked Noncurrent Loans | $375,000 |
Historic Data - December 2010 | | Assets | $29.90 million | | Equity Capital | $4.77 million | | Loan Loss Allowance | $89,000 | | Unbacked Noncurrent Loans | $396,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.86% | | Return on Assets | -0.97% | | Return on Equity | -6.54% | | Interest Income | $841,000 | | Non-Interest Income | $58,000 |
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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 Rohm & Haas Emp Credit Union had $375,000 in non-current loans and owned real-estate with $4.33 million in equity and loan loss allowances on hand to cover it. This gives Rohm & Haas Emp Credit Union a Texas Ratio of 8.67% 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 Rohm & Haas Emp Credit Union held steady from 8.15% as of December 31, 2010 to 8.67% as of December 31, 2011, resulting in a negative change of 6.30%. This indicates that the balance sheet and financial strength for Rohm & Haas Emp Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Rohm & Haas Emp Credit Union has decreased its total deposits by -$1.8 million, resulting in -6.97% 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 Rohm & Haas Emp Credit Union has shown is poor. | | 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. Rohm & Haas Emp Credit Union has $28.44 million in assets with $4.33 million in equity, resulting in a capitalization level of 15.21%, which is excellent. |
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