R-S Bellco Credit Union

R-S Bellco Credit Union is headquartered in NEW BRIGHTON and is the 177^th largest credit union in the state of Pennsylvania. It is also the 3,366^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 8 employees and 2,563 members. R-S Bellco Credit Union has a 4-star health rating.

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R-S Bellco Credit Union IRA Rates

Data for Q4 2011

Institution Statistics R-S BELLCO NCUA # 8540 BankRate Report View Year Chartered 1953 Employees 8 Primary Regulator Assets and Liabilities Assets $22.65 million Loans $10.11 million Deposits $20.79 million Equity Capital $1.69 million Loan Loss Allowance $88,000 Unbacked Noncurrent Loans $36,000 Historic Data - December 2010 Assets $22.60 million Equity Capital $1.65 million Loan Loss Allowance $91,000 Unbacked Noncurrent Loans $111,000 Profit Margin - Quarterly Net Interest Margin 6.01% Return on Assets 0.29% Return on Equity 3.91% Interest Income $874,000 Non-Interest Income $198,000

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 R-S Bellco Credit Union had $36,000 in non-current loans and owned real-estate with $1.78 million in equity and loan loss allowances on hand to cover it. This gives R-S Bellco Credit Union a Texas Ratio of 2.03% 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 R-S Bellco Credit Union decreased significantly from 6.38% as of December 31, 2010 to 2.03% as of December 31, 2011, resulting in a positive change of 68.22%.This indicates that the balance sheet and financial strength for R-S Bellco Credit Union has improved significantly in recent periods. Deposit Growth In the past year, R-S Bellco Credit Union has decreased its total deposits by $-4,000, resulting in -0.02% 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 R-S Bellco Credit Union has shown is 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. R-S Bellco Credit Union has $22.65 million in assets with $1.78 million in equity, resulting in a capitalization level of 7.85%, which is below average.

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