T. C. W. H. #585 Credit Union

T. C. W. H. #585 Credit Union is headquartered in Washington and is the 482^nd largest credit union in the state of Pennsylvania. It is also the 6,935^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to employees and 283 members. T. C. W. H. #585 Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics T. C. W. H. #585 NCUA # 24531 BankRate Report View Year Chartered 1966 Employees 0 Primary Regulator Assets and Liabilities Assets $520,000 Loans $323,000 Deposits $452,000 Equity Capital $67,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $530,000 Equity Capital $58,000 Loan Loss Allowance $13,000 Unbacked Noncurrent Loans $3,000 Profit Margin - Quarterly Net Interest Margin 6.46% Return on Assets -1.35% Return on Equity -10.45% Interest Income $23,000

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 T. C. W. H. #585 Credit Union had $1,000 in non-current loans and owned real-estate with $72,000 in equity and loan loss allowances on hand to cover it. This gives T. C. W. H. #585 Credit Union a Texas Ratio of 1.39% 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 T. C. W. H. #585 Credit Union decreased significantly from 4.23% as of December 31, 2010 to 1.39% as of December 31, 2011, resulting in a positive change of 67.13%.This indicates that the balance sheet and financial strength for T. C. W. H. #585 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, T. C. W. H. #585 Credit Union has decreased its total deposits by $-10,000, resulting in -2.16% 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 T. C. W. H. #585 Credit Union has shown is below 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. T. C. W. H. #585 Credit Union has $520,000 in assets with $72,000 in equity, resulting in a capitalization level of 13.85%, which is excellent.

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