Servco Credit Union

Servco Credit Union is headquartered in Bensalem and is the 394^th largest credit union in the state of Pennsylvania. It is also the 6,103^rd largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to employees and 1,070 members. Servco Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics SERVCO NCUA # 6761 BankRate Report View Year Chartered 1950 Employees 0 Primary Regulator Assets and Liabilities Assets $2.74 million Loans $830,000 Deposits $2.22 million Equity Capital $477,000 Loan Loss Allowance $62,000 Unbacked Noncurrent Loans $136,000 Real Estate Owned $67,000 Historic Data - December 2010 Assets $1.69 million Equity Capital $265,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $4,000 Real Estate Owned $52,000 Profit Margin - Quarterly Net Interest Margin 1.67% Return on Assets 0.04% Return on Equity 0.21% Interest Income $56,000 Non-Interest Income $2,000

Institution Health Overall Score: 3 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 Servco Credit Union had $203,000 in non-current loans and owned real-estate with $539,000 in equity and loan loss allowances on hand to cover it. This gives Servco Credit Union a Texas Ratio of 37.66% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Servco Credit Union increased slightly from 20.36% as of December 31, 2010 to 37.66% as of December 31, 2011, resulting in a negative change of 84.95%. This indicates that the balance sheet and financial strength for Servco Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Servco Credit Union has increased its total deposits by $821,000, resulting in 58.64% 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 Servco 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. Servco Credit Union has $2.74 million in assets with $539,000 in equity, resulting in a capitalization level of 19.71%, which is excellent.

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