Tri-State Credit Union

Tri-State Credit Union is headquartered in MIDLAND and is the 125^th largest credit union in the state of Pennsylvania. It is also the 2,521^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 15 employees and 5,538 members. Tri-State Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics TRI-STATE NCUA # 650 BankRate Report View Year Chartered 1935 Employees 15 Primary Regulator Assets and Liabilities Assets $40.39 million Loans $13.46 million Deposits $36.80 million Equity Capital $3.65 million Loan Loss Allowance $91,000 Unbacked Noncurrent Loans $278,000 Historic Data - December 2010 Assets $39.60 million Equity Capital $3.73 million Loan Loss Allowance $63,000 Unbacked Noncurrent Loans $156,000 Profit Margin - Quarterly Net Interest Margin 5.16% Return on Assets 0.03% Return on Equity 0.33% Interest Income $1.37 million Non-Interest Income $203,000

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 Tri-State Credit Union had $278,000 in non-current loans and owned real-estate with $3.74 million in equity and loan loss allowances on hand to cover it. This gives Tri-State Credit Union a Texas Ratio of 7.43% 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 Tri-State Credit Union held steady from 4.11% as of December 31, 2010 to 7.43% as of December 31, 2011, resulting in a negative change of 80.73%. This indicates that the balance sheet and financial strength for Tri-State Credit Union has held steady in recent periods. Deposit Growth In the past year, Tri-State Credit Union has increased its total deposits by $1.27 million, resulting in 3.56% 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-State 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. Tri-State Credit Union has $40.39 million in assets with $3.74 million in equity, resulting in a capitalization level of 9.27%, which is average.

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