Sto-Rox Community Credit Union

Sto-Rox Community Credit Union is headquartered in McKees Rocks and is the 505^th largest credit union in the state of Pennsylvania. It is also the 7,158^th largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to employees and 184 members. Sto-Rox Community Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics STO-ROX COMMUNITY NCUA # 19517 BankRate Report View Year Chartered 1969 Employees 0 Primary Regulator Assets and Liabilities Assets $147,000 Loans $20,000 Deposits $97,000 Equity Capital $50,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $3,000 Historic Data - December 2010 Assets $211,000 Equity Capital $54,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 10% Return on Assets -2.72% Return on Equity -8% Interest Income $2,000

Institution Health Overall Score: 4 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 Sto-Rox Community Credit Union had $3,000 in non-current loans and owned real-estate with $53,000 in equity and loan loss allowances on hand to cover it. This gives Sto-Rox Community Credit Union a Texas Ratio of 5.66% 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 Sto-Rox Community Credit Union decreased slightly from 7.14% as of December 31, 2010 to 5.66% as of December 31, 2011, resulting in a positive change of 20.75%.This indicates that the balance sheet and financial strength for Sto-Rox Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Sto-Rox Community Credit Union has decreased its total deposits by $-60,000, resulting in -38.22% 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 Sto-Rox Community Credit Union has shown is poor. 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. Sto-Rox Community Credit Union has $147,000 in assets with $53,000 in equity, resulting in a capitalization level of 36.05%, which is excellent.

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