Tri-Point Credit Union

Tri-Point Credit Union is headquartered in PITTSBURGH and is the 256^th largest credit union in the state of Pennsylvania. It is also the 4,445^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 2 employees and 1,860 members. Tri-Point Credit Union has a 3-star health rating.

Tri-Point Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics TRI-POINT NCUA # 321 BankRate Report View Year Chartered 1935 Employees 2 Primary Regulator Assets and Liabilities Assets $11.13 million Loans $4.79 million Deposits $10.27 million Equity Capital $689,000 Loan Loss Allowance $26,000 Unbacked Noncurrent Loans $89,000 Historic Data - December 2010 Assets $11.65 million Equity Capital $924,000 Loan Loss Allowance $24,000 Unbacked Noncurrent Loans $80,000 Profit Margin - Quarterly Net Interest Margin 5.6% Return on Assets -0.67% Return on Equity -10.89% Interest Income $393,000 Non-Interest Income $36,000

Institution Health Overall Score: 3 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 Tri-Point Credit Union had $89,000 in non-current loans and owned real-estate with $715,000 in equity and loan loss allowances on hand to cover it. This gives Tri-Point Credit Union a Texas Ratio of 12.45% 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 Tri-Point Credit Union held steady from 8.44% as of December 31, 2010 to 12.45% as of December 31, 2011, resulting in a negative change of 47.50%. This indicates that the balance sheet and financial strength for Tri-Point Credit Union has held steady in recent periods. Deposit Growth In the past year, Tri-Point Credit Union has decreased its total deposits by $-450,000, resulting in -4.2% 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 Tri-Point 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. Tri-Point Credit Union has $11.13 million in assets with $715,000 in equity, resulting in a capitalization level of 6.43%, which is below average.

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