S. & S. M. H. Employees Credit Union

S. & S. M. H. Employees Credit Union is headquartered in Wellsboro and is the 358^th largest credit union in the state of Pennsylvania. It is also the 5,631^st largest credit union in the nation. It was established in 1974 and as of December of 2011, it had grown to 3 employees and 1,221 members. S. & S. M. H. Employees Credit Union has a 5-star health rating.

S. & S. M. H. Employees Credit Union Savings Account Rates

S. & S. M. H. Employees Credit Union CD Rates

Data for Q4 2011

Institution Statistics S. & S. M. H. EMPLOYEES NCUA # 21745 BankRate Report View Year Chartered 1974 Employees 3 Primary Regulator Assets and Liabilities Assets $4.52 million Loans $2.21 million Deposits $4.03 million Equity Capital $492,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $27,000 Historic Data - December 2010 Assets $4.14 million Equity Capital $511,000 Loan Loss Allowance $21,000 Unbacked Noncurrent Loans $42,000 Profit Margin - Quarterly Net Interest Margin 5.12% Return on Assets -0.51% Return on Equity -4.67% Interest Income $142,000 Non-Interest Income $31,000

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. & S. M. H. Employees Credit Union had $27,000 in non-current loans and owned real-estate with $499,000 in equity and loan loss allowances on hand to cover it. This gives S. & S. M. H. Employees Credit Union a Texas Ratio of 5.41% 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. & S. M. H. Employees Credit Union decreased slightly from 7.89% as of December 31, 2010 to 5.41% as of December 31, 2011, resulting in a positive change of 31.46%.This indicates that the balance sheet and financial strength for S. & S. M. H. Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, S. & S. M. H. Employees Credit Union has increased its total deposits by $399,000, resulting in 11% 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. & S. M. H. Employees 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. S. & S. M. H. Employees Credit Union has $4.52 million in assets with $499,000 in equity, resulting in a capitalization level of 11.04%, which is above average.

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