Sun East Credit Union

Sun East Credit Union is headquartered in Aston and is the 16^st largest credit union in the state of Pennsylvania. It is also the 447^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 114 employees and 41,311 members. Sun East Credit Union's money market rates are 25% higher than the national average, and it has a 4-star health rating.

Sun East Credit Union Savings Account Rates

Sun East Credit Union Money Market Rates

Sun East Credit Union CD Rates

Sun East Credit Union IRA Rates

Data for Q4 2011

Institution Statistics SUN EAST NCUA # 6160 BankRate Report View Year Chartered 1949 Employees 114 Primary Regulator Assets and Liabilities Assets $438.00 million Loans $334.90 million Deposits $397.32 million Equity Capital $36.62 million Loan Loss Allowance $4.04 million Unbacked Noncurrent Loans $4.19 million Real Estate Owned $320,000 Historic Data - December 2010 Assets $411.72 million Equity Capital $35.82 million Loan Loss Allowance $3.36 million Unbacked Noncurrent Loans $3.48 million Profit Margin - Quarterly Net Interest Margin 4.35% Return on Assets 0.52% Return on Equity 6.27% Interest Income $19.05 million Non-Interest Income $5.91 million

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 Sun East Credit Union had $4.5 million in non-current loans and owned real-estate with $40.66 million in equity and loan loss allowances on hand to cover it. This gives Sun East Credit Union a Texas Ratio of 11.08% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sun East Credit Union held steady from 8.87% as of December 31, 2010 to 11.08% as of December 31, 2011, resulting in a negative change of 24.93%. This indicates that the balance sheet and financial strength for Sun East Credit Union has held steady in recent periods. Deposit Growth In the past year, Sun East Credit Union has increased its total deposits by $25.31 million, resulting in 6.8% 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 Sun East 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. Sun East Credit Union has $438 million in assets with $40.66 million in equity, resulting in a capitalization level of 9.28%, which is average.

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