S C M H Employees Credit Union

S C M H Employees Credit Union is headquartered in Pittsburgh and is the 317^st largest credit union in the state of Pennsylvania. It is also the 5,119^st largest credit union in the nation. It was established in 1976 and as of December of 2011, it had grown to 1 employees and 1,859 members. S C M H Employees Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

S C M H Employees Credit Union Savings Account Rates

S C M H Employees Credit Union CD Rates

S C M H Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics S C M H EMPLOYEES NCUA # 22585 BankRate Report View Year Chartered 1976 Employees 1 Primary Regulator Assets and Liabilities Assets $7.06 million Loans $2.76 million Deposits $6.38 million Equity Capital $661,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $29,000 Historic Data - December 2010 Assets $6.81 million Equity Capital $649,000 Loan Loss Allowance $11,000 Unbacked Noncurrent Loans $54,000 Profit Margin - Quarterly Net Interest Margin 6.22% Return on Assets 0.48% Return on Equity 5.14% Interest Income $243,000 Non-Interest Income $88,000

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 S C M H Employees Credit Union had $29,000 in non-current loans and owned real-estate with $675,000 in equity and loan loss allowances on hand to cover it. This gives S C M H Employees Credit Union a Texas Ratio of 4.30% 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 S C M H Employees Credit Union decreased significantly from 8.18% as of December 31, 2010 to 4.30% as of December 31, 2011, resulting in a positive change of 47.49%.This indicates that the balance sheet and financial strength for S C M H Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, S C M H Employees Credit Union has increased its total deposits by $236,000, resulting in 3.84% 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 S C M H Employees 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. S C M H Employees Credit Union has $7.06 million in assets with $675,000 in equity, resulting in a capitalization level of 9.56%, which is average.

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