Tri-Valley Service Credit Union

Tri-Valley Service Credit Union is headquartered in Pittsburgh and is the 211^st largest credit union in the state of Pennsylvania. It is also the 3,946^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 8 employees and 3,601 members. Tri-Valley Service Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics TRI-VALLEY SERVICE NCUA # 6690 BankRate Report View Year Chartered 1950 Employees 8 Primary Regulator Assets and Liabilities Assets $15.33 million Loans $9.11 million Deposits $13.66 million Equity Capital $1.55 million Loan Loss Allowance $105,000 Unbacked Noncurrent Loans $7,000 Historic Data - December 2010 Assets $14.39 million Equity Capital $1.71 million Loan Loss Allowance $91,000 Unbacked Noncurrent Loans $35,000 Profit Margin - Quarterly Net Interest Margin 7.02% Return on Assets -1.06% Return on Equity -10.52% Interest Income $800,000 Non-Interest Income $201,000

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-Valley Service Credit Union had $7,000 in non-current loans and owned real-estate with $1.66 million in equity and loan loss allowances on hand to cover it. This gives Tri-Valley Service Credit Union a Texas Ratio of 0.42% 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-Valley Service Credit Union decreased significantly from 1.94% as of December 31, 2010 to 0.42% as of December 31, 2011, resulting in a positive change of 78.19%.This indicates that the balance sheet and financial strength for Tri-Valley Service Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Tri-Valley Service Credit Union has increased its total deposits by $1.08 million, resulting in 8.57% 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-Valley Service Credit Union has shown is excellent. 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-Valley Service Credit Union has $15.33 million in assets with $1.66 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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