Southwest Communities Credit Union

Southwest Communities Credit Union is headquartered in Carnegie and is the 216^st largest credit union in the state of Pennsylvania. It is also the 3,995^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 5 employees and 2,356 members. Southwest Communities Credit Union's savings rates are 3X the national average, and it has a 3-star health rating.

Southwest Communities Credit Union Checking Account Rates

Southwest Communities Credit Union Savings Account Rates

Southwest Communities Credit Union CD Rates

Data for Q4 2011

Institution Statistics SOUTHWEST COMMUNITIES NCUA # 3278 BankRate Report View Year Chartered 1939 Employees 5 Primary Regulator Assets and Liabilities Assets $14.90 million Loans $10.78 million Deposits $13.29 million Equity Capital $1.62 million Loan Loss Allowance $57,000 Unbacked Noncurrent Loans $1.03 million Historic Data - December 2010 Assets $14.61 million Equity Capital $1.51 million Loan Loss Allowance $52,000 Unbacked Noncurrent Loans $510,000 Profit Margin - Quarterly Net Interest Margin 5.85% Return on Assets 0.72% Return on Equity 6.62% Interest Income $745,000 Non-Interest Income $141,000

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 Southwest Communities Credit Union had $1.02 million in non-current loans and owned real-estate with $1.67 million in equity and loan loss allowances on hand to cover it. This gives Southwest Communities Credit Union a Texas Ratio of 61.23% 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 Southwest Communities Credit Union increased slightly from 32.67% as of December 31, 2010 to 61.23% as of December 31, 2011, resulting in a negative change of 87.41%. This indicates that the balance sheet and financial strength for Southwest Communities Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Southwest Communities Credit Union has increased its total deposits by $182,000, resulting in 1.39% 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 Southwest Communities 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. Southwest Communities Credit Union has $14.9 million in assets with $1.67 million in equity, resulting in a capitalization level of 11.24%, which is above average.

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