T H P Credit Union

T H P Credit Union is headquartered in Terre Haute and is the 151^st largest credit union in the state of Indiana. It is also the 5,662^nd largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 2 employees and 1,064 members. T H P Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics T H P NCUA # 4488 BankRate Report View Year Chartered 1941 Employees 2 Primary Regulator Assets and Liabilities Assets $4.38 million Loans $2.62 million Deposits $3.35 million Equity Capital $1.03 million Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $27,000 Historic Data - December 2010 Assets $4.30 million Equity Capital $1.03 million Loan Loss Allowance $12,000 Unbacked Noncurrent Loans $27,000 Profit Margin - Quarterly Net Interest Margin 6.72% Return on Assets 0.02% Return on Equity 0.1% Interest Income $198,000 Non-Interest Income $21,000

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 H P Credit Union had $27,000 in non-current loans and owned real-estate with $1.03 million in equity and loan loss allowances on hand to cover it. This gives T H P Credit Union a Texas Ratio of 2.61% 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 H P Credit Union held steady from 2.60% as of December 31, 2010 to 2.61% as of December 31, 2011, resulting in a negative change of 0.29%. This indicates that the balance sheet and financial strength for T H P Credit Union has held steady in recent periods. Deposit Growth In the past year, T H P Credit Union has increased its total deposits by $82,000, resulting in 2.51% 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 H P 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. T H P Credit Union has $4.38 million in assets with $1.03 million in equity, resulting in a capitalization level of 23.62%, which is excellent.

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