Ss Peter & Paul Credit Union

Ss Peter & Paul Credit Union is headquartered in Allentown and is the 488^th largest credit union in the state of Pennsylvania. It is also the 7,017^st largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to employees and 87 members. Ss Peter & Paul Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics SS PETER & PAUL NCUA # 12195 BankRate Report View Year Chartered 1958 Employees 0 Primary Regulator Assets and Liabilities Assets $376,000 Loans $117,000 Deposits $296,000 Equity Capital $79,000 Unbacked Noncurrent Loans $5,000 Historic Data - December 2010 Assets $369,000 Equity Capital $80,000 Unbacked Noncurrent Loans $8,000 Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets -0.27% Return on Equity -1.27% Interest Income $7,000

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 Ss Peter & Paul Credit Union had $5,000 in non-current loans and owned real-estate with $79,000 in equity and loan loss allowances on hand to cover it. This gives Ss Peter & Paul Credit Union a Texas Ratio of 6.33% 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 Ss Peter & Paul Credit Union decreased slightly from 10.00% as of December 31, 2010 to 6.33% as of December 31, 2011, resulting in a positive change of 36.71%.This indicates that the balance sheet and financial strength for Ss Peter & Paul Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Ss Peter & Paul Credit Union has increased its total deposits by $9,000, resulting in 3.14% 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 Ss Peter & Paul 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. Ss Peter & Paul Credit Union has $376,000 in assets with $79,000 in equity, resulting in a capitalization level of 21.01%, which is excellent.

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