Swindell-Dressler Credit Union

Swindell-Dressler Credit Union is headquartered in PITTSBURGH and is the 304^th largest credit union in the state of Pennsylvania. It is also the 5,030^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 1 employees and 836 members. Swindell-Dressler Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics SWINDELL-DRESSLER NCUA # 61035 BankRate Report View Year Chartered 1965 Employees 1 Primary Regulator Assets and Liabilities Assets $7.53 million Loans $741,000 Deposits $6.58 million Equity Capital $962,000 Loan Loss Allowance $18,000 Unbacked Noncurrent Loans $53,000 Historic Data - December 2010 Assets $7.39 million Equity Capital $939,000 Loan Loss Allowance $37,000 Unbacked Noncurrent Loans $38,000 Profit Margin - Quarterly Net Interest Margin 7.12% Return on Assets 0.12% Return on Equity 0.94% Interest Income $240,000 Non-Interest Income $11,000

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 Swindell-Dressler Credit Union had $53,000 in non-current loans and owned real-estate with $980,000 in equity and loan loss allowances on hand to cover it. This gives Swindell-Dressler Credit Union a Texas Ratio of 5.41% 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 Swindell-Dressler Credit Union held steady from 3.89% as of December 31, 2010 to 5.41% as of December 31, 2011, resulting in a negative change of 38.90%. This indicates that the balance sheet and financial strength for Swindell-Dressler Credit Union has held steady in recent periods. Deposit Growth In the past year, Swindell-Dressler Credit Union has increased its total deposits by $131,000, resulting in 2.03% 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 Swindell-Dressler 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. Swindell-Dressler Credit Union has $7.53 million in assets with $980,000 in equity, resulting in a capitalization level of 13.01%, which is excellent.

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